I was born and raised in Modesto, CA.  I started in Real Estate in 1987 so I have many years of experience in Real Estate, including both home sales and lending. I can help you refinance your home, buy your first or next home, or investment property. I will help you understand the process from beginning to end. My philosophy is to listen to my clients and be their loan consultant for life.My areas of expertise are with Conventional, Veterans Administration (VA), Federal Housing Administration (FHA), 203K and USDA loans. My reputation is very important to me and is how I have built my business I can be contacted most anytime so that I can answer any of your questions and make the transaction as smooth as possible. Please feel free to contact me.

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