Specializing in government loans for over 10 years now, I am a senior loan officer with Emery Federal Credit Union. Having been in this industry in the good and bad years I have found that the key to my success and that of my clients is Education. Guidelines change. Loan programs come and go. Understanding today's rules and paring that knowledge with my client's goals makes all of us successful.

Prior to my time with Emery Federal Credit Union I have run branch offices for several banks and mortgage companies. I specialize in working with First-time Home Buyers and Reverse Mortgage Clients. Two opposite ends of the spectrum you might say. The reason I am so trusted with these groups is the time I take guiding and educating them. I am here to help you understand the mortgage process in today's rapidly changing environment and make the process as smooth as it can. Due to my service level and guidance, the vast majority of my business comes from referrals in these 2 groups.

I am here to help guide you in your home financing needs. Whether we are around the corner from each other or across the country. The majority of my loans written are in NH, VT and MA due to my home being in NH. However, I am licensed and servicing clients in all 50 states.