Helping clients achieve homeownership, build long-term wealth through real estate, and plan confidently for the future with trusted mortgage guidance and personalized financing solutions.

With more than 40 years of experience in real estate and 11 years as a dedicated mortgage lender, I bring a perspective that most lenders simply do not have. My background in real estate, construction, and lending allows me to understand not only the financing, but also the property, the transaction, and the bigger picture behind every client’s goals.

My approach is built on one belief: a mortgage is not just about the loan. It is about the life the loan makes possible—purchasing your first home, finding a vacation property where your family can create lasting memories, investing in real estate, or developing a long-term strategy to build wealth for future generations.

Each of these goals requires more than a rate quote. It requires a lender who understands how to structure financing around the borrower, the property, and the realities of the transaction.

As a Mortgage Lender with Canopy Mortgage, I specialize in helping first-time homebuyers, self-employed borrowers, high-income professionals, homeowners, and real estate investors finance primary residences, second homes, and investment properties. I offer a broad range of financing solutions, including Conventional, FHA, VA, Jumbo, Non-QM, DSCR, refinance, down payment assistance, construction and renovation financing, and Modern Reverse Mortgages.

My experience in real estate and construction helps me recognize issues that other lenders may overlook. I understand how appraisals can be challenged, how construction and renovation financing works, what real estate agents need from their lending partner to close successfully, and how to structure a loan around the unique characteristics of a property—not simply the borrower’s financial profile.

That broader perspective helps my clients make informed decisions, overcome financing challenges, and move through the mortgage process more smoothly and confidently.

Modern Reverse Mortgages are also an important part of my practice. For qualifying homeowners, they can be a powerful financial-planning tool that may help strategically access home equity, preserve more of an investment portfolio, improve retirement cash flow, and provide the flexibility to remain in a home they love.

After more than a decade in mortgage lending, I chose Canopy Mortgage because its platform allows me to provide my clients with even more:

•Faster, smoother loan processing supported by updated technology

•Strong, competitive mortgage pricing

•A broader selection of loan programs for a wider range of financial and property scenarios

My clients still receive my personal attention, industry experience, and commitment to guiding them through every step. They also benefit from the technology, pricing, flexibility, and resources that make the entire lending experience better.

Whether you are just beginning to explore your options, actively shopping for a home, refinancing an existing property, investing in real estate, or planning for retirement, I will give you a straightforward assessment of what is possible, what to watch for, and how to position yourself for the strongest outcome.

My goal is to provide a smooth, transparent mortgage experience grounded in integrity, education, competitive pricing, and smart financing strategies tailored to each client’s goals.

Proudly serving clients in California, Nevada, Washington, Texas, Colorado, and Florida, with strong ties to North Lake Tahoe, Reno, and the San Francisco Bay Area.