With over 25 years of real estate/mortgage industry experience, I bring a wealth of knowledge about programs and products. As a Licensed Broker specializing in FHA, VA, USDA, Down Payment Assistance and Reverse Mortgages, I have access to over 190 lenders to meet the needs of residential, commercial, land and second loans. I have built a solid reputation in the Real Estate and Mortgage communities by providing expert and caring service to all of my clients from the beginning to the end of the process while providing the financial knowledge needed to make the dream of home ownership a reality. Dedication, determination, integrity and good old fashioned hard work remain the foundation of my business. I dedicate 100% of my energy toward serving my clients. This focused approach has provided me with the time to elevate my education and experience so that I can guarantee a fully professional level of service to you. As a result, my valued clients and friends refer their family members, coworkers, neighbors and other people they know to me for advice and consulting services. My goal is to build strong, lifelong relationships, one person at a time.