With over 28 years of experience, I am happy to help borrowers finance the "American Dream." From buying your first home with down payment assistance to refinancing. My experience in management, loan operations and personal client relationships allows me to advise and guide clients through the loan process resulting in a well educated home loan experience. When referring clients to me, rest assured you are sending them to someone with demonstrated knowledge in various Conventional, FHA and VA loan types. I can assist clients in California, Nevada and Arizona. My expertise is in the various government bond and down payment assistance programs.