Hello to you! I’m glad you’ve taken the time to check us out. I am a lifelong student and practitioner of mortgage lending. You can feel at ease reaching out to me or my co-branch manager and wife, Angela, by phone/text or email to discuss what you have in mind or to schedule a chat in person. We are zero pressure, good listeners, and have a sincere passion for what we do. We can help you make sense of things to prepare for your home purchase or refinance and can advance your understanding well beyond an “internet education”. Over my career, I have managed over 4,000 mortgage transactions, which has helped me develop a quite a knowledge base for a smooth and well-informed client experience. I have high expertise in the following loan programs: Conventional, FHA, VA, Jumbo, First-Time Home Buyer programs and am an approved lender for California Housing Agency (CalHFA), the Golden State Finance Authority (GSFA), the two premier down-payment assistance agencies in California. Our cell phones and emails are always open to our clients and their realtors seven days week. We look forward to meeting you!