With the Real Estate industry changing daily, you need a professional who is experienced in the up's and down's of today's volatile market.

As a Mortgage Loan Specialist, I bring my 19 years experience in real estate and residential lending to Buyers, Sellers and Realtors.  My goal is to provide the BEST rate and BEST loan to fit YOUR individual needs. 

Providing4

4Loan Consulting and Education on all aspects of the    
   loan process

4Credit Counseling 

4Immediate Pre-Approvals

4Access to hundreds of Lenders and loan programs

4Low Rates and Fee's

4Conventional Conforming, Jumbo, FHA and VA

4Purchases, Refinances and Home Equity Loans

4Experienced in-house Underwriting and Loan Processing

I began my Real Estate career in 1990 as a Realtor for Fred Sands Realty and received the honor of "Rookie of the Year". 

Since 1992, I have concentrated my efforts in the Mortgage Loan Industry learning all aspects of the loan process, from processing and pricing loans, to underwriting, closing and funding and have earned the honor of "Top Loan Originator" and "Top Loan Closer" for the past several years.

I joined American Capital Corporation, a leading Mortgage Banker in Southern California, in August 2008.  American Capital is a Direct Lender, offering in-house underwriting and funding which allows me to work "hands-on" with all my loan files and work directly with our loan processors and underwriters to maintain clear communication from start to finish.

Access to "cutting edge" technology allows me to obtain immediate loan Pre-Approvals and keep my clients informed of changes in the market and daily interest rate fluctuations.

I also work with a number of referral partners of Realtors, Appraisers, CPA's, Financial Planners, Escrow Officers, Inspectors and Licensed Contractors.

"Home Ownership is the key to independent wealth - Let's work together to make it happen for you!"