I have worked in the mortgage industry as a mortgage consultant for the past 20 years utilizing conventiona (Fannie Mae and Freddie Mac)l, FHA, VA and USDA loan programs as well as non-conforming loan products. I currently work with Mariner Finance Mortgage located in Baltimore, MD and am licensed to originate residential mortgage loans in Maryland, Pennsylvania, Virginia, Florida, Georgia and Kentucky.

All loan officers like the loans that require little to no effort to process and get approved. I actually enjoy working with borrowers whose loans may take some time, effort and experience to get approved and welcome all applications. I specialize in working with 1st time homebuyers and appreciate the opportunity to guide and educate 1st time buyers through the entire process from application and qualifying to the closing table/being handed keys to your new home.

**All rates , programs and guidelines are quoted as of the current day in which the quote is given. We are in an extremely volatile market where mortgage rates can change for the better or worse over the course of the day and over a period of weeks rates can increase and decrease even more so. If you have a certain realistic rate in mind or certain rate/fee structure, please feel free to contact me and I will gladly notify you when that rate is available**

NMLS ID#145054