First time homebuyers: When buying a home for the first time, the buyer is at a distinct disadvantage. He does not know the rules and the procedures and has to rely on someone to guide them. Choosing the right mortgage broker is more than calling around for who has the lowest number. After all if that number changes at the settlement table it was nothing more than a hook. I suggest using someone local, someone whose services are recommended by friends and family and someone who will spend the time to understand what is most important to you.  I am always available to my clients and will explain the whole process clearly. At the end of the day my clients will get the best rates available to them on any given day.

Refinance and Debt consolidation: Whether you are looking for FHA, conventional or a jumbo mortgage, I have the rates and programs to match or beat any other lender. I will also help you explore other options if I believe that a refinance is not right for you. I will provide a detailed analysis of your overall financial health and provide solutions that make sense.

Reverse Mortgages: For those over the age of 62 the reverse mortgage helps you stay in your home and receive income from the equity in your home. The income can be a monthly payment, a line of credit, a lump sum or a combination of the above. The Reverse Mortgage is a great product for certain situations but not for everybody. I will be happy to provide in home consultations free of charge to those interested ina reverse mortgage. I always encourage that a friend or family member be present.

GOOD tip: Financial Planners, accountants,realtors, attorneys (especially bankruptcy and family law attorneys} and prospective home buyers. Also homeowners with overwhelming credit card debt.