Are you looking into purchasing a Primary home, Vacation home, or just a great investment. Are you a Veteran (married to one), Investor or First Time Home buyer? I have been all of the above at one time, so let me help you sift through your options and think outside the box. Designing a mortgage is more than just a source for buying a home, i.e. a growing family, college education and retirement. Finance for many can be a chore. I on the other hand have been in this field for 16 years and find it exhilarating! My hobby is real estate. I do not believe that money can buy happiness, but I do believe a thorough understanding of how to use it can help. Finance many times can be a negative focal point, but not because of a lack of money, but a lack of discipline, awareness, and management of the resources one has. What sets me and my team apart from the next? Pro-activity: Acting in advance to deal with any and every expected or unexpected difficulty. I am always ahead of the next move. I believe if you gather enough information up front you save time, frustration and money. My experience allows me to fulfill this and I choose to associate myself with those that do business the same way. It is important to me that you understand every detail of the transaction, so communication and patience are an absolute with every client. With home prices extremely affordable, low interest rates and the tax credit's now available, it is the perfect time to shop for a new home or refinance your existing! Whether it is a VA, FHA, Conventional or Jumbo, my team is the best to handle your loan. It is imperative that your Loan Officer and your Realtor know the changing market and all options available to you. So Call/Email me for pre-approval or to evaluate your existing mortgage. Please let me know if you need a Realtor as well, I will refer you to the best! It is free to educated yourself on your options!