I work diligently for each and every customer with straightforward, clear, honest, information. Whether you are looking for fixed-rate loans, debt consolidation, refinancing, buying a new or first-time home, or cashing out on equity for home improvements, I pride myself on educating the customer every step of the process. The best interests of my clients are always the primary focus, period. My background includes Mortgage Lending, Loan Modifications, Underwriting, Credit Repair, Real Estate Sales, Real Estate Investment procurement (with analysis, negotiation, rehabilitation, & sales or leasing), Short Sales, Property Management, Financial Planning, Hedge Fund Trading, Equity Management, Portfolio Structuring & Management, Option Hedging, Risk Management. Licensed CA Real Estate Broker with GRI, SFR, CFS designations.