Mortgage Banker / Broker Extraordinaire
First Priority Financial
April 1999 - present
For over 19 years my advice and personalized service has provided the critical information borrowers need to make appropriate financing decisions, tailored to their unique circumstances. Educated buyers make better decisions in a complex real estate transaction, period. These decisions can impact their financial future, whether buying or refinancing. Small decisions can have big consequences so it’s vital to provide accurate and timely advice that makes a difference.
I am dedicated to making a positive impact on our industry and helping my Realtor partners be successful by closing their transactions with more efficiency and speed., with a minimal amount of bumps in the road. I make it a priority to keep up with the constant underwriting guideline changes and strive to maintain our sterling reputation as a mortgage loan source and trusted advisor to our clients and referral partners.
When I started in the lending industry in 1995, I set out on a mission to educate and help buyers, especially first time buyers, understand the loan process easily and clearly and make their home buying experience a positive one. My primary goal was to be as accurate as possible with the total amount of cash needed for the transaction and that would eliminate a lot of stress and strain. Secondly, I wanted to earn their trust and to also create a raving fan base and clients for life. I am very proud to say that I have helped hundreds of individuals and families all over California achieve their goals and made many new friends along the way, all the while building a strong referral base.
I adhere to the ‘Learn By Doing’ principle, which I learned by graduating from Cal Poly, San Luis Obispo, and have become highly proficient and skilled at originating all types of residential loans. FHA & VA loan programs are my favorite programs to use and their benefits are outstanding.
As a net branch of First Priority Financial, I have the advantage of being able to bank loans with our company or broker out to dozens of alternative lending sources to make sure the clients’ needs are met first. I want to make sure that all parties involved in the transaction know what to expect and when to expect it.
I have also specialized in the Mortgage Credit Certificate program for the first time buyer which offers an outstanding 20% federal tax credit every year of ownership. It's fantastic!
I am a trusted and valued mortgage loan resource for both my clients and my professional referral partners and provide on going education and timely advice on a regular basis. I have been thru most of the major market swings in the past 30 years and there is no substitute for knowledge, integrity, dedication, and experience in this challenging market.
With todays entry level buyer being so tech savvy, I utilize all the latest technology to communicate effectively and efficiently close the deal. It’s ‘high tech, but high touch hand holding’ and it works!
My mortgage practice is primarily based on referrals. Please call me today and find out how I can help you build your practice and help your clients. I don’t underestimate the value of a professional real estate agent and I look forward to working with you and growing our businesses together.
Plum Press Real Estate Print Marketing
December 1986 - December 1999
Created and published Homes & Loans Magazine in Sonoma County from 1995 thru 1997, successfully launching myself into the mortgage business with the original brokerage I worked for from 1995 to 1999. I produced real estate magazines throughout California for Century 21, Coldwell Banker, ERA and numerous other real estate brokerages.