After eighteen years of providing service through government entities, my passion resides with providing service to our civilian population and first responders. I obtained my real estate license at 23 years old and bought my first home soon after. The ability to refinance my properties and save money, led me on a path to obtain my mortgage license. Saving individuals money and helping them achieve the dream of owning, is one of the most rewarding ways I can utilize my time.As-is, buying, building, Buyer’s agent, Commission, Concession, Contingency ,Counteroffer, Earnest money deposit, Home inspection, Listing agent, Multiple Listing Service, Preapproval, Prequalification, Purchase agreement, refinancing, Appraisal, APR, Automated underwriting, Closing costs, Conventional mortgage, Credit score/credit report, Debt-to-income (DTI) ratio, Down payment, Escrow, account, FHA loan, Fixed-rate mortgage, Gross monthly income, Lender’s title insurance, Loan estimate, Loan Originator, Loan-to-value (LTV) ratio, Mortgage broker, Mortgage lender, New Jersey, New York, Origination fee, Owner’s title insurance, PITI, Private mortgage insurance (PMI), Rate lock, Title vesting, USDA loan, VA loan, Real estate agent, Real estate closing terms, selling, Closing, Closing agent, Closing date, Closing disclosure (CD), Walk-through
