I want to earn your referral business, I don't want to just close your loan!

I have been in the mortgage lending business for more than 16 years and my business is based mainly on referrals.  I generate referrals by placing my clients needs 1st.  I want you to be 100% satisfied that I obtained the best available financing for you.

No Magic Loans, No Magic Lenders, No Magic Rates and nobody works for free!

The truth about Mortgage loans is that the number of direct lenders is dwindling, a number of lenders have gone out of business over the last 12 months.  Lenders and Brokers have access to the exact same loans.  The difference between lenders comes down to the service they provide and how much or how little they are willing to work for.  Lenders can be compensated in a number of ways.  Regardless of how they are compensated ultimately the borrower is the one that is compensating the Loan Officer.  The Higher the rate the less money you will need to compensate the loan officer.  The lower the rate the more money you will need to compensate the loan officer.  Nobody works for free!

My Promise to you:

I will do everything I can to obatain the best available finacing based on your needs.  I will educate you on the options you have, so that you can make an informed decision about the mortgage loan you select to finance your home.  

The best part of my job:

I really believe that the best part of my job is helping people navigate the home buying process.  Even during the refinance booms I focused on purchase business.  I will always take care of my existing clients and look for opportunities to improve their current financing.  The most rewarding part of my job is when I am sitting at the closing and my clients realize that they are homeowner's.  It is truly a great feeling to help someone achieve one of their dreams.