
With 22 years of Banking and Mortgage Lending experience I've seen the good times and the bad, taking Mortgage Loan Applications with interest rates ranging from 19.375%, to today’s low rates. I've seen the evolution of many creative financing techniques, but find that the “old truths” still hold true and pass the test of time. I have a thorough understanding of credit analysis, and personal credit issues. Conducting Homebuyer Seminars and educating people about the home buying process is a passion with me.