My 25 years of lending experience has put me in touch with the first time homebuyer to the most complicated self employed entrepreneur with multiple properties and complex tax returns. My goal is always the same - provide useful and reliable information so the Customer can make an informed decision before entering into a real estate transaction. This includes providing estimates of what the monthly mortgage payment would be on a wide range of pre-approved prices, as well as estimating the closing costs and down payment needs so there are no surprises at closing. After listening to hundreds of Customer's needs and wants over the years, I am able to quickly analyze and recommend the proper loan program to meet their goals and objectives. Geographic Area: Orange, Riverside, and L.A. Counties Specializing in: - USDA - FHA & VA - Jumbo, Fixed & ARM - HARP Refinancing (up to 150% LTV) - Self Employed Borrowers and Portfolio Products - Down Payment Assistance Programs (DAP, CHDAP) - Agency Conforming and High Balance (FNMA/FHLMC)