There have been many changes to the mortgage industry since I started in 1991. After a brief 3 year career selling real estate, I found that I loved the financial end of real estate more than the listing and selling end. With a degree in Marketing and Finance from Grand Valley State University, I was able to land my first lending position with my hometown bank, Byron Center State Bank. It was there that I formed the habit of reading guidelines and industry news to better learn my trade. This may be the single most important thing I do on a daily basis to keep up with the ever changing financial industry. The knowledge I gain from studying the industry has enabled me to help my clients get approved when other lenders could not, and to structure their loan with the lowest cost options available. Since this time I have helped many thousands of families finance their new homes. What drives me is the honor to be chosen in helping these families set up the next chapter of their lives. ...and to do so in the most cost effective way possible. I love hearing the stories and the journey that each family is walking through. My wife, of 28 years, and eight children live on a small hobby farm in the Grand Rapids area. We are involved in a variety of activities such as goat breeding, dairy farming, holistic health, ballet, music, theatre, baseball, and Bible Study Fellowship. We seek to serve the Lord in all that we do, and want to give Him the honor and glory.