I have been in the Real Estate Lending environment for approximately 17 years. I have worked in all three of the major lending areas as a mortgage broker, mortgage banker and banker. I have seen many up's and down's in our economy and I believe that there are opportunities on both sides. My goal has always been to help people to achieve their financial goals and build their wealth through home ownership. Specialties: I specialize in Residential Real Estate Lending. There are many loan progams that can help people achieve home ownership. Such as, VA, FHA, Conventional, USDA, Rehabilitation and Construction. My advice is don't believe everything the media says! Trust a real estate professional to help you navigate the changing environment to meet your financial goals.