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.  

	Mortgage News Daily - Mortgage And Real Estate News House Passes Second Half of Housing Rescue Plan Despite Veto Threat - 6 hours ago The latest bill would allow lenders to reduce their exposure to foreclosures if they agree to cut the outstanding balance of an existing loan, thus allowing homeowners to refinance into a new loan that would be FHA insured. The reductions taken by lenders are substantial and must be based on new appraisals that should reflect current home pricing levels. The Bush Administration has opposed the legislation even though Frank included two measures near and dear to the president's heart - a revamp of the FHA and greater government control over Fannie Mae and Freddie Mac. Read More Now Bill to Aid Communities Cope With Aftermath of Foreclosure Passes House - 6 hours ago The House late Thursday approved a narrowly focused bill that would provide $15 billion to the states to buy and spruce up foreclosed properties.The bill is different from one that has been widely discussed that would enable to Federal Housing Administration (FHA) to ensure new mortgages where the... Read More Now Fed, FTC Propose New Rules on Lenders - 1 day ago The Federal Reserve and Federal Trade Commission proposed new rules on Thursday which would require lenders to inform consumers of unfavourable developments or changes to the terms of their loans.Under the proposed regulations, the lenders would also have the option of divulging a consumer's credit risk rating. Read More Now Economists Divided on What Jobless Claims Say About the Labor Market - 1 day ago The current pace of jobless claims is relatively low compared to the previous recession, some economists say. However, others note that the rise in continuing claims is consistent with a higher unemployment rate than its current 5.0%, suggesting more trouble in the labour market than the latest figures might indicate. Read More Now Consumer Credit Rises Well Above Forecasts in February - 1 day ago Surprising to the upside, seasonally adjusted consumer debt rose $15.3 billion in March, according to data released Wednesday from the U.S. Federal Reserve, which also showed that total consumer credit rose to 2.558 trillion. Read More Now