I have been in the mortgage industry for 25 years and have seen the market change several times during that span of time. I began my initial education in the mortgage industry as a Loan Processor learning every detail of what makes a loan work and quickly obtained my Delegated Lending Authority which allowed me to learn the Underwriting aspect of the business and then eventually made the full transition to my current position as Sr. Loan Officer in 2003. It is that diverse background in the "behind the scenes" process after the point of origination that gives me an edge that you will not often find in other loan officers. That experience is what enables me to think outside the box and foresee any possible issues and find ways to overcome them before they become an issue that causes a missed closing. I treat each buyer as an individual, listening to their needs and financial goals so that I can find a program that works specifically for them. Learning the different areas of the industry has also given me the ability to adapt and react to an ever changing market and to stay informed on the mortgage guidelines and mortgage programs available so that I can find each client the mortgage program that best fits their short-term and long-term financial goals. I take pride in my customer satisfaction rating of 99.5% over the past 12 months and I genuinely take pleasure in helping people realize the dream of homeownership. No one will work as hard as I will to make that dream a reality.Specialties: Conventional FNMA/FHLMC, FHA, USDA & VABond Programs (TSAHC for Teachers, Firefighters, Police Officers and TDHCA)First Time Home Buyer programsVA Texas Veterans Land BoardOne Time Close Construction Loans100% NO MI LoansManaging Builder Pipeline/15 years experience on Builder/Mortgage ABA