With over 25 years of mortgage lending experience, I have the resources, experience, and expertise to help you achieve your financial goals. I grew up in the San Francisco Bay Area, and am proud to be of part of this great community. Currently located in the East Bay, I started Bay Area Integrity Mortgage to provide low cost home loans with superior dedicated service. I have designed my company to provide everyone with: Superior Quality Service and Care Fast, Hassle-Free Experience Low Honest Mortgage Rates NO Loan Application Fee NO Loan Processing Fee NO Unnecessary Loan Fees Whether you are purchasing a new home or need to refinance your existing loan, my commitment is finding you the most affordable loan program and lowest possible interest rate to best suit your needs with Honesty, Reliability, and Integrity: Honesty: Rely on me to keep you updated on the status of every stage of the loan process. Reliability: Count on me to return every phone call and email promptly and efficiently. Integrity: Depend on me to explain all loan options available that best suit your financial needs and goals.