I have been originating mortgage loans since 1993 starting my career with a local broker in Middletown, NJ. Currently I am with a Federally Chartered Bank and Licensed to originate Conventional, FHA, 203K, VA, USDA, HARP, and Reverse Mortgage Loans in all 50 States. My client base includes First Time Home Buyers , move up buyers, second home purchases,and refinances. I work closely with Accountants and Financial Planners helping clients achieve their goals. I also consult with Estate Planners analyzing how a Reverse Mortgage can be utilized as a solution for our aging population, minimum age of 62, in maintaining their quality of life. Former Rotarian - Woodbridge-Perth Amboy Chapter Board of Directors of Northern Monmouth Chamber of Commerce Co-Founder of Monmouth County Referral Group St. Andrew's Mens Group - Holmdel, NJ Parishioner of St. Catherine's Middletown