Bay Area licensed mortgage professional with over 20 years experience in home lending! I specialize in conventional, FHA, VA and first-time home buyer/down payment assistance programs as well. My broker firm provides me access to several different lenders so one of my top priorities is shopping for the best rate and program type to fit your lending needs. My team and I are able to close a purchase loan in 21 days or less and can get you fully approved even while you're still shopping for property! Oh, about the languages spoken: I'm pretty fluent in Arabic and understand and speak some Spanish and a little bit of French too.