I am a licensed Mortgage Loan Officer (NMLS 1886073) with Pacific Wholesale Mortgage Company (www.toma.pacwm.com) based in Sacramento, CA. I have done mortgages with a bank and a brokerage firm in forward and reverse mortgages.Giving back to Society: Throughout my career, I passed on the knowledge I acquired to others. My aim is to exit this world as a net-giver than a net-taker. I give free consulting on mortgages and on lessons I learned in managing post-retirement life. I review the loans I have written every year and advise clients.Personal beliefs: I believe that honesty is the best policy. Over the last fifty years, I have earned the trust of my clients and employees. They say of me -“ a great teacher looks at each client as a friend for life, reviews annually the plans he put in place, courteous, a consummate professional “.EDUCATIONHarvard University Cambridge, MA. MBA Rutgers University-New Brunswick, NJ. MSUniversity Of Madras Chennai, India. B. Eng.PERSONAL: I live in Atherton, CA. I have decades of experience in founding, growing, and exiting high technology companies. I am a teacher and mentor. I have celebrated my 50th wedding anniversary and proud father of two children. I am also a grandfather. I enjoy the outdoors with trail running, hiking, and skiing. I have traveled extensively to 80+ countries.