I've called Northern California home since 1995, after being medically retired from the United States Navy (1989-1996). Since moving here, my life has been deeply rooted in family, faith, and business, with a true passion for helping others, particularly in financial literacy.

I understand the importance of educating clients and being a reliable point of contact to answer questions and offer guidance throughout the financial journey. There's nothing more rewarding than helping a family purchase their first home and achieve their dream of home ownership.

As a dedicated family man and father, I began my career in the home mortgage industry in 2003, working with a mortgage broker. Over the years, I've gained valuable experience with top institutions such as Wells Fargo (1999-2003), JP Morgan Chase (2011-2019), and Travis Credit Union (2019-2022).

Now, I have the privilege of working with a mortgage broker that allows me to serve a wider range of clients. With access to over 200 wholesale lenders through Equity Smart Home Loans, I'm able to offer customized loan options tailored to meet the unique needs of each client. Whether you're self-employed, a 1099 worker, need down payment assistance, have low credit, or are a foreign national, I have the tools to help. We also offer financing options for real estate investors.

Working with wholesale lenders means I can offer competitive rates and more options, helping you save money and find the best solutions. Let's connect and work together to create a plan that will help you achieve your goals. I'll be there for you every step of the way, ensuring a smooth and seamless process from start to finish.