Summary

I'm a results-oriented customer advocate with over 20 years combined Sales, Business Development , Management and Marketing expertise. I have a passion for meeting my customers' needs and exceeding their expectations.   

I hold an MBA from Santa Clara University and a B.S. in Mechanical Engineering from San Jose State University.  I am a licensed California Real Estate Broker with NMLS mortgage endorsement.  A mortgage professional since 2003, I joined Stearns Lending LLC in 2015.  I have had experience as both  a direct lender and mortgage broker, having previously founded First Integrity Mortgage and Co-founded Cipher Lending, where I was the broker of record for both firms.   

Customer Commitment

Commitment to My Clients: I take a consultative approach to the mortgage industry to help my clients make informed choices about their mortgage financing options when buying or refinancing a home.  Some may view it as simply "doing loans", but I don't look at it like that.  In fact, I feel like I'm helping my clients create one of the largest debts they will ever have - a mortgage.  And, as a result I feel a professional responsibility to help them integrate the loan they select into their short- and long-term financial and investment goals, while taking into account their objectives for payment, equity and cash flow. 

Since 2003, I have worked with countless clients to purchase or refinance their properties.  My business has been built primarily by personal referral and repeat business, all of which I feel is a testament to my commitment to my clients.  Let's face it, unhappy clients don't come back or refer their friends or colleagues.  

My Objective 

My Objective- In short, my objective is to have you jumping for joy, by providing the highest level of service along with competive rates:

Help you determine what you can afford Explain your options fully Help you understand your credit Get you pre-approved early  Help you strategize your financing options Match loan term to your ownership and financial objectives Review differences between available loans Explain Principle & Interest v. Interest Only or any other available options. Let you know what to expect during the process Provide clear timeline and milestones Strategize to best structure your loan and help you get in contract (for a purchase transaction) Communicate with NO SURPRISES! Manage your mortgage for you after closing Manage your mortgage to meet your payment, equity and cash flow objectives Monitor the mortgage market for future opportunities to save you money Provide options for Low- or No-Cost Refinancing, as well as other options such as Equity Lines, etc.