With more than thirty years of experience in nationwide mortgage lending, I have established myself as a reliable resource for first-time homebuyers, providing guidance through the qualification and approval process with clarity and confidence. My expertise is particularly evident when working with self-employed borrowers, investors, and high-net-worth individuals. I offer customized lending solutions tailored to their unique financial situations across the country.

Whether you are seeking to purchase your first home, expand your investment portfolio, acquire a luxury property, or navigate the complexities of self-employment income, I am dedicated to finding the right mortgage solution for you.

I offer a range of options to meet the diverse needs of my clients, including full documentation, no documentation, bank statement programs, DSCR (Investment properties, 5-24 Multi-Family), asset depletion, or cross-collateralized loans. My commitment to honesty, integrity, and extensive knowledge has made me a "go-to guy" for borrowers and other mortgage and real estate professionals seeking effective lending solutions.

Lending on 1-4 Units, 5-24 Units, Small Balance Commercial and Land Loans, as well, plus we always expanding our products too.

 Purchase, Refinance, Reverse Mortgage

 On a personal note, I have been happily married for 37 years and am the proud father of three beautiful daughters. Raised in Annapolis, Maryland, I left home at 18 with my Atlas in hand, my VW camper van, and surfboard packed. I landed in Vail, Colorado for the ski season, then on to chase waves in Southern California and explore new business opportunities, blending my passions for surfing and real estate lending entrepreneurship. Currently, I reside in South Orange County, CA.