History
I've been a mortgage lender in the San Francisco Bay Area since 1994, and I'm pretty sure I've seen every kind of real estate market there is: times when every home for sale got multiple offers and buyers had to fight to get an offer accepted; times when it seemed no one wanted to buy a house, at any price; markets when interest rate were rising; and markets when rates were falling through the floor. I've provided a variety of mortgage loan programs for home buyers and for home owners who want to refinance. My emphasis is on working with buyers before they start actively shopping, so that they the loan is in place and approved BEFORE the buyer finds that special place and wants to make an offer. My clients never have to wonder what's going on with their loans. I communicate frequently with the borrower, and with the borrower's agent and the listing agent to make sure everyone knows where things stand. Transparency and clear communication are my hallmarks. APMC NMLS #1850, Equal Ho
Specialties
Mortgage loans to buy or refinance homes Jumbo VA Conventional Conforming Investment and rental properties Move up buyers First time homebuyers