I provide a service and not just a product. I don’t just originate your loan but guide and advise you through the mortgage process, avoiding the pitfalls and capitalizing on the opportunities for you. I will negotiate to get you a great loan.

In addition to charging you a fee, most mortgage brokers receive a commission from the lender if they get you to pay a higher interest rate than you really need to. It happens EVERY DAY. Loan consultants will lie to you to get this commission, and it will cost you extra money every month and thousands of dollars over the life of the loan, and you won't even know it !!

Most banks only offer a few loan programs. Bank employees work for the bank and have limited options.

*** I WORK FOR YOU. I take your financial situation seriously, and act in your best interest. I OFFER YOU WHOLESALE RATES AND DO NOT ATTEMPT TO EARN A COMMISSION FROM THE LENDER BY OVERCHARGING YOU. You will get the truth from me!

By charging a flat rate, I make the same regardless of which loan you choose. I will not suggest a loan to you because it pays me a larger commission. I am honest and upfront about this.

I do not only quote monthly payment amounts to avoid telling you what the interest rate is.I will not mislead you about what your loan will cost you. If you want to be sold something that is not the best for you, my competition is more than willing to do that.

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YOU SHOULD CALL ME TODAY IF:

• You want to refinance because you need some extra cash or want to lower your payment.
• You have an adjustable loan with payments that are stressing you out.
• You are thinking about purchasing or refinancing in the next 6 months.
• You need help in raising or repairing your credit score.
• You have equity in your home and have large credit card debt or car payments with
  interest that is NOT tax deductible.
• YOU WANT HONEST, ETHICAL ADVICE AND PERSONAL SERVICE

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I will give you the personalized attention that you deserve to ensure that you find the right loan product for you. I will go out of my way to make sure that you have all of your questions answered and are satisfied with your loan. Referrals are important to me and I want you to feel confident when you refer me to your friends.

Call me today TOLL FREE at 1-800-613-7698 so I can review your needs and start putting you into your dream house today. LET'S GET STARTED!