When helping someone with their home financing, I have always approached it from the perspective of what is the best for the customer and how can I provide the best service throughout the process. That is why I believe that it is so important to educate my clients on the options that are available and on what the advantages and disadvantages of the choices may be. 

Whether someone is a first time buyer, a seasoned investor or someone interested in refinancing their existing loan to lower their payment or take cash out to build their dream kitchen, I believe the key component for everyone is to have the information they need to make an informed decision.

Throughout my lending career, my personal philosophy has been to provide my clients with expert advice, and unparalleled customer service to lead to a stress free experience.

This philosophy has consistently meant three things for my business partners' and clients:

• 1. Total lower cost over time associated with their mortgage.

• 2. The ability to make a fully informed decision.

• 3. The ability to integrate the mortgage decision into their financial plan.

In order to provide this type of service I will determine with the client and/or business partner the goals expected to be accomplished by the financing. I will then explain the entire process and provide an accurate estimate of the proposed financing. By working closely with my client, business partners and our in house support staff, I can guarantee timely, smooth closings.

I look forward to working with you.