Taking pride in offering my clients over a decade of consumer finance experience to thoroughly advise them on the broad range of mortgage products and programs available.  I received my BA in Finance from the University of Toledo in March 1996 and soon after began working as an Automotive Finance Underwriter and Credit Analyst.  I began underwriting mortgage loans in the spring of 1998 and became more involved in marketing, training, and product development the following year.  My diverse background in both wholesale lending, retail lending, and mortgage banking offers a unique persepctive to the financial marketplace in general. 

I pride myself on product knowledge and believe in empowering my clients with information.  I continually update my training and have recently completed sessions on FHA updates and policies, business ethics, and analyzing self-employed borrowers.

In my free time, I am active in the Fundraising Committee at my church and have served as an officer of the Parent Teacher Society at my daughter's school the last 2 years.  I am a huge baseball fan and love to talk sports too!  But if I had not chosen to become a mortgage professional, I probably would have pursued meteorology.  I've always been fascinated with thunderstorms...Everybody in the office knows I have the old doppler radar on whenever we have severe weather watches :)

I am also an active contributor on Yahoo! Answers providing answers regarding credit to consumers across the USA. 

Your home buying or refinancing experience should not be a stressful one. I build relationships based on trust....Whether you are in the mountains of Wyoming or down the street in Cincinnati, you can trust in me to provide reliable answers.  You deserve first-class service, affordable closing costs, and outstanding rates from a first-class financial institution like Emery.

'I've always enjoyed meeting new people.  My clients are far more than a 'loan number' to me.  I think it's very important to take the time to listen closely and develop a relationship of trust with an understanding of a person's needs, likes and dislikes. People feel comfortable knowing who they are working with and that that person really cares.  Accountability is essential in building this trust.  I live by the philosophy of treating clients like I would want to be treated.'

First-Time Buyers

FHA Loans for Purchase, Refinance, Streamline Refinance, Cash Out/Debt Consolidation

Rural Housing/ Rural Development Loans----This program is highly underutilized because so many banks don't bother to offer the program to their clients.  With the Fannie Mae and Freddie Mac score adjustments to pricing now a reality for us in 2008,  Rural Housing could really benefit a lot of homebuyers.  Ask me for more details!

Relocation---Looking for a lender experienced in relocation assistance? Relocating is stressful enough by itself.  Let me help you take the stress out of financing and searching for a mortgage loan.

Outstanding rates for FHA loans in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

100% Rural Housing purchase loans in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming