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  With over 20 years in the mortgage industry, I provide expert guidance and personalized loan options. I specialize in helping first-time homebuyers, refinancing, and offering low-down payment mortgage programs. Trusted mortgage loan officer with decades of experience.  

  We offer fast mortgage pre-approvals, competitive mortgage rates, and tailored down payment assistance programs to fit your financial needs. As a California, Arizona, Nevada & Tennessee licensed mortgage specialist and your local loan officer, we make the homebuying process easier.  

  We provide comprehensive services, including home loan pre-approval, refinancing options, and down payment assistance programs. Our goal is to make the mortgage process smooth for both homebuyers and those looking to refinance. 

NMLS# 1779388