Whether you are buying or refinancing a property, I have the expertise and experience to get you the right mortgage, and to handle your transaction professionally. As a mortgage banker, we have underwriters in house and we fund your loan at closing, to ensure efficient and smooth closings. I will help you analyze your financing options, and make sure that we fit your needs into the most cost effective plan. I am licensed in all 50 States for residential home refinance and purchase loans. With my experience, and the ability to shop for the best rates and programs, you are sure to get the mortgage that is right for you. My hobby is sailboat racing, theatre, dining out, biking... When you get me involved early in your home-buying process, a Pre-Approved wil not only give you a better idea of what you can qualify for, it also gives you a stronger negotiation position when you find the home of your dreams. I'm never too busy to help you or any of your referrals.