Luci and my primary goal when serving you, the client, is to ensure that your mortgage financing is carefully engineered to best meet your short and long-term financial objectives. When you consider that you may have your home loan for many, many years, there are thousands of dollars of your hard-earned money at stake when it comes to choosing which loan structure is best for you. To assist you with making a wise choice, we will take the time with you to review all available options as well as the financial pros and cons of each option. This will be presented to you in language that you can readily understand, even if finance is not your “specialty”. A second, nearly as important, goal is to ensure that your purchase or refinance transaction is approved and closes in a timely manner with the minimum hassle to you. If you never get to the closing table, the choice of loan product becomes a moot point! We will do all that it takes to get you to the closing, with an eye on making the process as smooth and quick as possible for you. To better equip us to provide you with an exceptional level of service, I have 18 years of mortgage originating experience, 28 years of real estate investment experience and a strong analytical educational background (BS in chemical engineering from Purdue 1981, MBA in Finance from the University of Michigan 1983). Luci has assisted me with serving mortgage clients for over 10 years, so she will also be a valuable resource for you. To better help you, I make it a mandatory practice to personally maintain up-to-date knowledge regarding all loan products/loan structures available in the marketplace and the details of current mortgage underwriting guidelines. Along with well-honed analytical skills, Luci and I believe that honesty, integrity, a sense of urgency and good communication with you throughout the loan process are additional keys to ensuring that your mortgage experience exceeds your expectations. In the current lending environment, securing a loan approval for your desired mortgage structure is now more challenging than ever. Luci and I believe that we are among the best-equipped in the marketplace to guide you to the optimal financing solution and to get you to the closing table as painlessly and quickly as possible. We look forward to serving you, and you are welcome to contact us seven days per week, including evenings!