I have been in the mortgage business since 1993, I graduated from The University of Michigan-Dearborn in 1987. More than half of my time in the business has been as a Retail Loan Officer. I have been a top producing Loan Officer and wholesale rep. I am a student of my profession, I am committed to keeping up to date on the ever changing guidelines. I generally catch any issues before they become issues. My modus operandi is under-sell and over-deliver. I have worked with many First Time Home Buyers, and veteran home buyers. I currently manage a team of 5 Loan Officers as well as originate loans through a network of referral partners.