Whether you are a first-time home buyer or seasoned owner wishing to refinance, my 23 years as a Senior Mortgage Banker can help you understand and take the next step. I can arrange a 3% down for first-time home buyers or a low-cost refinance with only a $295.00 lender fee’s and super low interest rates with cash out up to 80%. I have a demonstrated history of working in the Lending industry for twenty plus years starting in 1999 with Fidelity Mortgage to today with First Federal Lakewood. I have been helping home buyers and home owners with the financial aspects of ownership. I am a skilled negotiator in residential lending, banking, mortgage sales and credit analysis. Over the years the primary thing I’ve learned is that the financial component of home ownership is usually the most intimidating. My goal is to share my experience with the potential client to make the whole process less overwhelming. Born and raised in Cleveland and a graduate of Collinwood High I’ve always believed that a home is something that is truly obtainable for every person. The way to do that is to find the right lending partner and that is why I have chosen to become a knowledgeable and strong financial professional.