My business philosophy is making sure that all my customers are educated through out the loan process. If you are purchasing a home for the first time or are a previous owner, I will take the time to explain the process from start to finish, the different loan programs that you may benefit from, how underwriting guidelines affect you, down payment assistance you may be eligible for and provide you with honest answers and reasonable expectations. I will ask you if you have developed a budget and where you will be comfortable with a mortgage payment. Even in today’s mortgage environment you can qualify for more than you may wish to pay. At the end of the day, I want to know that you are comfortable with your mortgage payment and can enjoy your life and new home.
As an experience loan officer, I am able to assist my customers with a wide array of loan programs – from jumbo, conventional, FHA, VA, GRH. I am also Workforce Housing Certified and can help First Time Homebuyers navigate the loan process and find any application down payment assistance available, including the CDA, HOC, VHDA loans.
If you are refinancing, I will work with you to figure out the best loan option that fits your needs. Whether it is reducing your payment, the length of your mortgage payments or cash out, my customer service will ensure you receive the best option possible.
I am active with the Frederick County Association of Realtors and was awarded “Affiliate of the Year”. I serve on their Affordable Housing and Community Service Committees and teach various loan programs to realtors.
