About Me
With more than 29 years of experience in residential mortgage lending, I help homebuyers, homeowners, veterans, and real estate investors navigate the financing process with clarity, confidence, and strategic guidance.
As a trusted mortgage advisor, I specialize in VA loans, refinancing strategies, HELOCs (Home Equity Lines of Credit), jumbo financing, and conventional home loans. I work closely with first-time homebuyers, move-up buyers, self-employed borrowers, and longtime homeowners looking to leverage home equity or strengthen their overall financial position through thoughtful mortgage planning.
I earned my degree in Finance from The University of Texas at Austin and proudly served in the United States Marine Corps. Those experiences shaped the disciplined, service-driven, and relationship-focused approach that continues to guide my business today.
I believe great mortgage advice starts with listening. Every client’s financial situation, goals, and long-term objectives are unique, which is why I take the time to fully understand the bigger picture before recommending financing solutions. Whether helping a veteran maximize VA loan benefits, guiding a family through a refinance decision, structuring a HELOC strategy, or assisting a buyer in a competitive housing market, my goal is to provide informed advice tailored to each client’s needs.
Clients value my transparent communication, accessibility, attention to detail, and proactive guidance throughout every stage of the loan process. My practice is built on long-term relationships and referrals, and I am proud that more than 70% of my business comes from past clients and Realtor referrals. I remain committed to delivering a smooth, well-managed lending experience from application through closing.
In today’s evolving housing and interest rate environment, I believe mortgage planning should be approached as part of a broader financial strategy, not simply a transaction. My focus is helping clients make confident financing decisions that support both their immediate goals and long-term financial success.
Based in San Diego, I proudly serve clients throughout California and multiple states including Arizona, Colorado, Florida, Idaho, Oregon, Tennessee, Texas, and Washington.
