We have built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, builders, and individual homebuyers throughout the area.We're a full-service mortgage lender with an experienced staff offering expertise in every area of mortgage lending... from purchase to refinance. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan with the best rates, terms, and costs that meet your unique needs, but that's just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.And, it's our pleasure to offer all of our exceptional mortgage services online. Through us you not only have access to the best loans available in the marketplace, but you can even apply for your loan, at your convenience, online - 24 hours a day.

Challenging assumptions, releasing potential and developing influential leaders in educational institutions, corporations and professional associations

Director of the Concert Band , Marching Band, Jazz Ensemble, Percussion Ensemble and Coordinator for the Instrumental Music Lesson Program. Designed state of the art Music Technology Laboratory in which I wrote curriculum for teaching Music and Media, incorporating programs such as, Garage Band, Audacity, Quick Time, Keynote, iTunes, Photo and iMovie to compose music and design presentations.

As the director of the Danvers High School Band for the past 33 years, I transformed the band program from a small community group of thirty students to a large nationally recognized organization with over 150 members performing for a presidential inauguration, The Pasadena Tournament of Roses Parade in 2001, 2006, and 2010 and other prestigious events across the United States. I am an accomplished educator with dynamic interpersonal skills and administrative strengths, proven leadership and a passion for motivating students to reach beyond themselves to strive for their personal best.