Hello Friends! For those of you who do not know me already- I have 12 years of experience and counting in the mortgage industry. I started my career with the big bank and transitioned to the big mortgage company. I have been licensed in as many as 36 states across the country at the same time. This means I have seen a thing or two. I am now a local mortgage broker in the state of Florida servicing the greater Jacksonville area with heavy focus on Nassau County. When not working (technically always working) you can find me with my family. I have a wife and 3 children. Most of our time is either spent at the baseball fields or some other outdoor recreational activity. I have one pet peeve "people who do not call people back". If you call me, I will call you back!