10 years inside the mortgage machine, before I ever advised a client of my own.

My background

Before I advised a single client on their own mortgage, I spent 10+ years working inside loan operations — processing, structuring, and helping close loans from behind the scenes. That's a different vantage point than most loan officers start from. Most learn the client-facing side first and pick up underwriting rules as they go. I learned underwriting first: what conditions actually clear a file, what documentation an underwriter will kick back, and where files typically fall apart before closing.

That background is why I describe what I do as engineering the approval, not just quoting a rate. By the time your file goes to underwriting, I've already checked it against the things that would normally slow it down.

What I do today

I'm a mortgage broker, not a direct lender — I shop multiple wholesale lenders for each client's loan rather than offering one bank's rate sheet, and I get paid by the loan closing, not by which lender I place it with. I work with four kinds of clients most often:

• First-time home buyers across the Phoenix metro, using FHA, conventional, and VA financing.
• Buyers using Arizona down payment assistance — Home Plus, Home in Five, and Arizona Is Home.
• Veterans, active-duty service members, and eligible spouses using VA purchase loans and VA IRRRL refinances.
• Homeowners navigating a mortgage through divorce — refinancing to remove a spouse, structuring an equity buyout, or purchasing a new home post-divorce. This is a genuine specialty of mine: most loan officers rarely see these files, and getting the lending side wrong can unravel an otherwise-settled divorce agreement. See the full divorce mortgage guide for how I approach this.

How I work with clients

Three things borrowers consistently tell me matter most, and that I hold myself to:

1. I answer. Calls and texts get a real, same-day response. A mortgage is stressful enough without wondering where your file stands.
2. I build files to clear the first time. Ten-plus years inside underwriting means I flag issues before they become conditions, rather than after.
3. I shop lenders, not just rates. As a broker, every application gets compared across the lenders I have access to, not routed to a single bank's product.

License & how to verify me

Anyone can claim credentials online. You shouldn't have to take my word for it — Arizona mortgage licensing is public record. Here's how to check mine directly: