As a mortgage professional, I have enjoyed working with many clients from all walks of life. It has been my pleasure to help homeowners and investors ease through the financial maze of real estate transactions. One of the joys of my job is seeing first-time home buyers obtain the financing they need to make their dreams of homeownership come true. Knowing that I have helped so many people successfully navigate one of the biggest financial obligations of their lifetime is deeply gratifying.As the Vice President of Heritage Mortgage Company, Inc., I’m tuned into all aspects of this industry. My knowledge and financial background extend far beyond the job description of most Mortgage Loan Originators. My role allows me to provide a more in-depth insight when dealing with complex mortgage scenarios. I am able to provide solid, “real world” solutions that work. I take pride in customer satisfaction and knowing that I have helped someone achieve their financial homeownership goals.

I have thoroughly enjoyed helping people buy and sell their homes. I find it incredibly rewarding to work with first time home buyers. For me, it is truly not “just about getting the sale”. I receive a great amount of personal satisfaction in getting to know my clients and turning our business relationship into a personal one. Although I do not to act on both sides of the same transaction, I have found my first-hand knowledge of the mortgage industry has been a powerful resource for information which I can pass along to my clients. I am able to educate on how mortgages work, what to expect from the loan process and how to best prepare for mortgage loan financing. Having the ability to help people in this way, certainly gives my clients a value-add benefit when choosing to work with me. This additional knowledge empowers my clients and ensures that I am providing the best possible service to each buyer or seller I represent.

The professional experience I acquired while employed at the bank, set the foundation for my success. State Street gave me the opportunity to gain a wide variety of knowledge and experience within corporate banking. I’m very grateful for the many personal relationships formed while working there. I was hired into the bank in October of 1990 as an entry level employee.Through hard work and perseverance, I achieved continued success and various promotions, ultimately leading to a senior management level. There were many positions and functions in between, which include but were not limited to:• Global Securities Lending Division – Senior Management (Officer): - 2000-2003:Directed two groups of staff & managers, accountable for daily stock loan & collateral activity for $40 billion book of stock lending business, worked directly with SSgA’s financial accounting department, trading desk & credit risk department, served as primary contact for internal & external audits, drafted & maintained compliance procedures as well as disaster recovery processes & procedures and was instrumental in the development, testing & implementation of a new proprietary system (SLE). • Retirement Investment Services Group – Manager: - 1998-2000: Managed staff, product development, oversaw discount broker & trustee accounts, monitored 400+ contracts for monthly book/market values, produced proper billing for SSgA’s Stable Value Group, approved rollovers & liquidations for brokerage accounts. I was also a major contributor to the development, testing & rollout of a new system database (WRAP).• International Securities Operations Division – 1990-1997:Cash & securities settlements, client service work, liaison for international sub-custodian banks within the European and Asia Pacific markets, a hand selected member of a large-scale system conversion team. I also served as a group Team Leader, responsible for specific projects and rolling out management directives to the group.