With over two decades experience in the Real Estate industry, I have the experience and knowledge to obtain the right loan for each persons individual needs. I spent the first five years of my career in real estate sales which allows me to thoroughly understand all phases of a purchase transaction, not just the lending side. As a loan officer for the last 16 years, I have seen many changes in the housing market, loan programs, and the philosophy of home ownership. This wealth of knowledge allows me to guide my clients through the financing process and help analyze what is the best way to structure the investment to meet my clients current and future financial needs.I have recently expanded my involvment in helping people plan for there future by becoming a Financial Advisor. This allows me to help my clients plan for retirement using not only there mortgage but a whole array of financial products to produce an income stream in retirement. I currenly hold a California Real Estate License, Insurance License, Licensed Mortgage Broker and hold a Series 6 Securities License.Specialties: Finance, Lending,