BS Business, BA Economics 12 years experience in mortgages. USDA, FHA, VA, Conforming, Jumbo, 1st time buyers, Investors, Relocation, Divorcing, Tax Credits, 100% Financing Previously a Global account manager for a high tech company, working with corporate executives, I bring a strategic approach to providing your mortgage. At Guaranteed Rate I can offer the low, low rates you brag about at the water cooler, but often there are other options to consider, and it may provide you with a more suitable loan. Loans that may have a better cash flow, a better return on your investment, or lower initial outlays of cash, that are better for your particular home ownership strategies. There are many options to consider, and I am happy to explore them with you! 1st time buyer? I have 3 children of that age, and will help explore the strategies that will best suit your needs as well. 1st time buyer specialist, Utilizing IRS tax credits for 1st time buyers to receive up to 30% of the interest paid annually back to you for the life of the loan as a tax credit! Jumbo? No problem. Investors with multiple properties? No problem. Self / Employed? No problem. In a world of high tech, texting, tweeting and email and online, I provide a personal level of service rarely found now. Yes, I have the tech, and we will use it where appropriate, but I am personally available to assist you via phone, or face to face. Let me know how I can help you!