Hi , I live in Western Michigan on the Lakeshore in a little Dutch town . I love helping people get to the next step in there life planning needs . For a lot of people one of those steps involves their home. I have so many products that may not be available to many consumers because they don't know where to look . I have been in this industry for 20 years. I do go through all the steps to keep up with the industry changes . I would love to help you with your next step and show you all that is available with your criteria in the mortgage industry . That will give you the tools to make the right choices for yourself .