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Your "Certified Residential Mortgage Specialist"

My Philosophy

As a mortgage professional, I see a mortgage, more than ever, not as a mortgage loan once was, but instead as a financial planning instrument that must be integrated into one's long and short-term personal financial plan. My goal is to create a mortgage strategy to help build wealth for both you and your family.

With over 18 years' residential mortgage lending experience, I am committed to engineering financial solutions for my customers to help them achieve their financial objectives.

I look forward to having the opportunity of helping you reach yours.

Customers first

Borrowers who are happy with the mortgage loan I helped them get are more important to me than anything else. My goal is to make the loan process as simple and worry-free as possible. I pride myself in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, my purpose is to satisfy your needs. By putting you first, I assure you a pleasurable transaction.

Get fast answers

At my website you can find the tools and information available to answer virtually any mortgage question. My Loan Program page will help you find the right type of loan for you. Be sure to visit the "Qualification Analyses Reports" page for the most sophisticated mortgage analytical reports available in the market, and available on demand. View samples, and then request yours today!

Always remember, I'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice, complete with an "Estimated Cash To Close Worksheet". It's aways in your best financial interest to GET IT IN WRITING!

Thanks again for visiting me online and I hope you enjoy your online experience.

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Mortgage News Daily

The Week Ahead: Light Data Calendar, Treasury Auctions, Holiday Weekend - 6 hours ago
Posted To: MBS CommentaryThe line-up of economic data in the week ahead is one of the lightest of the year. Monday is essentially data-free. The following two days of the week are focused on housing with Existing Home Sales on Tuesday and New Home Sales on Wednesday. Those same two days also kick off the Treasury Note auctions for the week though Tuesday's 2yr Notes are generally not moving markets these days. Wednesday's 5yr auction has more potential to affect MBS, but the result would have to be a pretty big surprise in one direction or another. The data shifts away from housing on Thursday with Durable Goods and Weekly Jobless Claims, both moderately important data sets, though not 'high risk' events. Thursday also rounds out the Treasury auctions for the week with 7yr Notes at 1pm. While there is data on Friday...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

More Lender Updates; Letters from the Trenches and Legal Updates Focused on the CFPB - 1 day ago
Posted To: Pipeline PressLondon plans to use a painfully "High-Pitched Sound Generator" to disperse large crowds at the Olympics. Observers note that it will be Cindy Lauper's first paying gig since '86. Speaking of high-pitched noises (and no, this is not a lead in to a Taylor Swift joke), the constructive clamoring about the CFPB's flat fee continues . "The CFPB for consumer finance, in my opinion, is the same thing as the CFTC for commodity trading overseeing Future Commission Merchants and the SEC for stock broker/dealers. Both the futures and stock brokerage industries have formed self-regulating entities. The National Futures Association for commodities and the Financial Industry Regulatory Authority (FINRA) for stocks. The mortgage industry would be well served if the industry itself through the MBA or other...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

MBS RECAP: Slightly Bumpy Ride Late, But Important Level Holds - 2 days ago
Posted To: MBS CommentaryMBS Live : MBS Afternoon Market Summary 104-16 Turned out to be an important level for Fannie 3.5's today. There's more than the usual amount of content in the 'alerts and updates' section below if you're looking to get caught up on how it played out. Long story short, bond markets held up quite well on a Friday that mostly saw money flowing OUT of both sides of the market (i.e. equities and fixed-income both lower in price today). But even the late day volatility left the 104-16 technical level intact through 4pm. From now until MBS go out for the day, it's not out of the realm of possibility to see illiquidity take things a bit lower, but whether or not lenders react to that depends on the lender in question. If it were us, we'd call it a week. MBS Pricing Snapshot Pricing shown below is...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Mortgage Rates Lower Still, But Progress Is Slow - 2 days ago
Posted To: Mortgage Rate WatchMortgage Rates improved marginally from yesterday's new all-time lows. Without any major scheduled events to digest, bond markets were left to their own devices and paid a decent amount of attention to a sell-off in stocks. When yields in the broader bond markets move lower, MBS (the "mortgage-backed securities" that most directly influence lenders' rates) tend to move lower in yield as well, allowing lenders to off lower costs, lower rates, or a combination of the two. With the recent move lower to a 3.75% Best-Execution level for 30yr Fixed Conventional loans, today's improvements were seen more in the form of decreased borrowing costs, or increased lender credit, as the case may be. If you're a first-time or even frequent reader looking for a bit more clarity on "best-execution," we just...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Mortgage Registry Now Includes all States, Federal Lenders - 2 days ago
Posted To: MND NewsWireThe State Regulatory Registry, LLC (SRR) and the Nationwide Mortgage Licensing System (NMLS) have issued an Annual Report for 2011. The report notes that 2011 was the first year that all state mortgage regulatory agencies utilized NMLS to manage mortgage loan originator (MLO) licenses on the system. In addition, in January the NMLS Federal Registry became fully operational. By the end of the year the Federal Registry contained active registrations for 11,081 institutions and 375,654 registered MLOs. According to the report, for the first time almost all of the nearly half-million individual mortgage loan originators (MLOs) along with their license or registration status and other information are now available to the general public on-line through NMLS Consumer Access. By the end of 2011 NMLS...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Certified Mortgage Planner

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