I want to take this opportunity to thank all of my clients who have referred me to so many of their friends. The vast majority of my customers are referrals and it is important to me that you know that I appreciate, and don't take for granted your trust in me.

Whether you are looking at purchasing a home or refinancing your existing loan, Mortgages are the only thing I do and I go to every effort to make your financing as simple and painless as possible. You can expect "Honesty & Integrity - No Surprises."

Besides the Mortgage Business, my focus is on my family. My wife and I have been married 28 years and we have six kids, two of which are married and we have 3 grandchildren. I've been a Boy Scout leader now for the last 22 years and take the boys camping one weekend every month and a full week every summer.

One thing that I live by, is my reputation. Your home is perhaps the largest single investment you will ever make and I will help you get the best possible financing that meets your personal needs. I will attend your closing with you to confirm that you are completely satisfied and get everything you expected with "No Surprises.