20 years of experience in the Mortgage and Finance Industry. I take pride in giving my clients excellent customer service and the benefit of my expertise with mortgages, credit guidance and equity loans and lines. My goal is to work together with my clients and Realtors to have the easiest and smoothest closings with no surprises!! I enjoy educating my clients and taking my time to make sure that they understand what their options are and what to expect in the process of Purchasing a home, Refinancing or accessing the equity in their home for debt consolidation, home improvement, etc. Extensive experience with FHA, USDA, VA, Conventional, HELOCs, and Down Payment Assistance.