Thank you for taking the time to learn more about me and the services I offer. I trust you will find the information on these pages enlightening, helpful and informative. It is not my intent provide you with information that can be overwhelming and confusing (I have provided some links to other sites that can do that quite well).

	Upfront Mortgage Brokers Association: I am a member of the Upfront Mortgage Brokers Association. UMBs disclose their fees to customers in advance and in writing, and disclose the wholesale prices (rates and points) passed through from lenders. This is a very elite group of mortgage professionals. There are only about 300 of us in the entire country. Click on the logo for more info.
	Certified Mortgage Planning Specialist: I am a Certified Mortgage Planning Specialist. CMPS professionals have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS professionals can better advise you when it comes to: 1. Your single largest debt – mortgage, 2. Your single largest asset - real estate equity, 3. Life Planning needs and goals - cash flow. Click on the logo for more info.
	Financial Planning Association: I am a member of the Financial Planning Association. I work side-by-side your Financial Advisor to insure that your mortgage is part of your overall financial plan. If you don’t have a Financial Advisor, I can recommend one to you. Click on the logo for more info.

It is my personal goal to help my clients to get the right mortgage for building equity, creating wealth and Accomplishing their Long-Term Financial Goals. Very few loan officers in Virginia have the ability and the tools to do this for their clients. That is why I am a Mortgage Analyst and not your typical loan officer.

Most people, most loan officers and even many financial planners haven't considered a mortgage to be part of someone's financial plan. Well IT CAN and IT SHOULD BE, part of your plan. Depending on your needs, the right mortgage can help you to:

Build Equity: to payoff debt, to invest or to prepay your mortgage.

Create Wealth: by investing your monthly savings in an asset generating vehicle (Investment Property, Absentee/Semi-Absentee Business Ownership and the right kind of Stocks, Bonds and Mutual funds), it can help you to retire and even RETIRE EARLY, pay for College Education, aid in Long-Term Insurance Costs and cover Unexpected Emergencies and Tragedies. ALWAYS be sure to check with experienced, proven and trusted advisors regarding any such investment strategies.

Accomplish your Long-Term Financial Goals: by reducing your debt, accelerating your equity position in your home(s), paying off your home earlier, accumulating wealth with sound investments to pay for retirement, college education, etc.

Remember: the lowest rate is not always the best program.

To my clients is, not only help you to get the best mortgage for building equity, creating wealth and accomplishing your long-term financial goals, based on your needs and desires…Not mine, not the lenders. But to also encourage, support and help you achieve your financial goals and dreams by recommending resources and providing information relating to mortgage finance, real estate, business ownership and investing.

To my partners is, to add value to the services you already provide your clients. Thereby helping you to help your clients to be better informed and better off financially. To provide you with timely and helpful information in the areas of Real Estate, Finance and Sales.

I am different because I am committed to providing my clients and my partners' clients with advice that makes a Life Changing Difference for them.

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