Take the first step toward refinancing or buying a new home.Whether you're ready to apply for a mortgage, want to understandmortgage loan ratesor have questions about home refinancing or buying a new home, I'm here to help. I've been a Mortgage Loan officer since 1992, and I'll work with you through every step of the mortgage process.I live and work in Clifton Park, New York, and specialize in helping clients understand the mortgage process for buying a new home and home refinancing. I also guide clients through preapproval or conditional approval for a home loan, understanding mortgage rates and anything else that comes up along the way.When you're considering buying a home, refinancing or just have preliminary questions, contact me. We have loans to fit any budget and financial situation, including conventional, specialty, affordable and government loans. I'll explain our special 0.25% interest rate discount for KeyBank clients and help you assess your budget to determine how much to spend on your home.