Why choose me for your next mortgage loan?

 Knowledge is Power 

Obtaining a mortgage can be a very complex and daunting experience.  I firmly believe that knowlege is power, and invite you to use this website to help educate yourself, but more importantly, hope that you will rely on me to guide you safely through the maze.    I am constantly working to keep myself abreast of current laws and regulations guiding our industry, and also of the programs and products available to you.   I realize that you have a choice, and hope you will give me the opportunity to earn your business.  My promise to you is that you won't regret that decision.  

My committment to you

• Offer fair and competitive pricing for your loan
• Disclose all fees and loan costs to you UP-FRONT.... No Surprises the day before closing!
• Fully analyze your needs, both long and short term, and help you to make the absolute best decision for you.  
• Advise you against something you may want to do if I don't truly feel it's in your best interest. 
• Offer guidance if needed to help you position yourself better to be able to buy a home if you are not able to do so right now.    I have customers that I have worked with for over a year helping them get things in order.  

	Top News Mid-Day Recap: Labor Reports Send Markets into Freefall  - 1 day ago The pace of losses in the labor market had been moderating for four months but in June nearly half a million jobs vanished from the economy, in contract to widespread expectations. The Bureau of Labor Statistics said 467,000 jobs were lost, pushing the unemployment rate to 9.5%, the highest in 26 years.?The heavy loss of jobs in June is a warning that the road to recovery will be bumpy, but doesn't yet indicate that we have gone off the track? . . . ...(read more) The Day Ahead: Markets Hesitant Ahead of Employment Data - 1 day ago Markets are edging lower ahead of the 8:30 release of Nonfarm Payrolls. A lot is hanging on this report as many forecasts for the economy are dependent on the direction of the labor market. Many look for signs of stabilization after last month?s downside surprise, but signs of a recovery have been far from evident in the weekly Jobless Claims numbers or the ADP private employment report. The consensus looks for 325,000 jobs to have vanished this month, with forecasts ranging between 225,000 and 435,00...(read more) HARP Guidelines Allow for 125% LTV. Originators Still Skeptical - 2 days ago The Home Affordable Refinance Program was designed to assist borrowers who have demonstrated an acceptable payment history on their existing Fannie Mae or Freddie Mac owned mortgage loan. Unfortunately due to rising unemployment levels and increasing foreclosure rates, demand for housing has weakened and property values have continued to decline, which has blocked many borrowers from utilizing HARP....(read more)