I'm a 40 something, married, father of two, who has been in the lending world in one way shape or form for over 15 years. I will help you with your FHA, VA, or conventional mortgage needs whether it be purchase or refinance. I am adept in helping borrowers find the programs best suited for their needs. I know the programs available to help borrowers purchase a home with little to ZERO money down. What "free money" is available for purchases and how to save the most in closing costs with your refinance. My goal is to help you in a way that you wouldn't hesitate to refer me to all of your family and friends.