For over 23 years I have helped many individuals and families better their finances, get ahead to have a better life, achieve the American dream, improve their financial position to have a higher quality of living, and raise their standard of living. I have helped many people have a better future, flourish, and fuller life.I have brokered commercial loan transactions that include: Commercial real estate loans, SBA loans (real estate & non-real estate), small business loans, factoring of invoices, purchase order financing, and private equity transactions (equity financing).I have owned a mortgage co. & a financial services co./insurance agency for over 10 years.Mortgage Broker - PLM (Principal Lending Manager) / President, Mortgage Miracles Happen DBA: Ogden Mortgage Loans; Quick VA Loans (NMLS # 285653) Owner: Insure My Life Right, LLCwww.insuremyliferight.comMortgage Lending:* Conventional Loans* (Govt Loans) FHA, VA Loans, USDA, * Reverse Mortgages* Jumbo Loans* Non-QM Loans (Bank Statement Loans Loans/DSCR Loans)* Hard Money Loans* Commercial Lending* Wealth Transfer* Retirement Investing strategies with tax-free advantages* Respectable market returns with Stop losses that have zero risk of loss. Legally reduce taxes with financial products that are safe, and zero risk, and reduce fees that unknowingly cost you half of your wealth. * College funding to reduce student loan debt. * Safety nets to prepare for and prevent financial mishaps for normal life routines when challenges arise including, medical bills from normal medical bills, accidents, surgery, and operations; other life surprises include, disability income and long-term care planning, cancer, heart attacks, stroke, death of a family member, etc.* Life Insurance planning* Health Insurance, Accident Insurance, Supplemental Health Insurance* Medicare Insurance Planning* Disability Insurance (Disability Income protection planning)* Long Term Care Advisor (Long Term care planning)* Retirement Planning* Annuity Planning - Provided alternatives to 401k for retirement savings, that provide stop stock market returns with stop losses, reduce fees and lower taxes, and provide safety nets for unexpected disasters.* Bank financing for Life insurance for individuals with assets of 2 M USD or greater or 250 K of Annual income & business owners. These relationships also include bank financing of personal pensions that leverage 3:1, like a mortgage for your retirement. Business owners get a leveraged contribution for key-man coverage for key employees, partners, and owners.