I've specialized in residential real estate financing since 1993. I truly love what a I do.  It's a great feeling to know that I have participated in the financial success of my clients.  I have worked in many different interest-rate environments and have developed a big-picture perspective.  Steering clients in the right direction and treasuring the relationships I have with them has resulted in a satisfying career.

The recent "mortgage meltdown" has not slowed down my business —  I never recommended risky loans to my clients in the first place —  and none of them are facing financial  hardship due to poor mortgage planning.   In fact, I am busier than ever, trying to rescue people from the risky loans they obtained from other lenders.

From the beginning, I have obtained clients solely from referrals rather than from advertising.  I have personally met 99% of my clients.  My style is very "hands-on"; my assistants and I handle every part of your transaction personally and we make sure you feel well cared-for and supported.  If there is a problem with your loan, you will find that we are there for you no matter what it takes to get the job done.

Because I have listened and cared, I have continued to work with the same clients, and their friends and colleagues over the course of many years.  As their real estate portfolios grow, I am there to help analyze the long-term picture and to develop a new game plan to insure success regardless of market conditions.

I have presented seminars to first-time buyers and shared my expertise with new real estate agents in my "Financing 101" course.

Prior to joining the mortgage industry, I was a civil litigation attorney in San Francisco. I have a B.A. from San Francisco State University in Business Administration with an emphasis in Finance, and a J.D. from Hastings College of the Law in San Francisco. I hold both National and California mortgage broker licenses, and I am a member of the National Association of Mortgage Brokers (NAMB) and the California Association of Mortgage Brokers. 

I worked as a Senior Mortgage Consultant with Pacific Guarantee Mortgage's Van Ness office in San Francisco for 12 years. In mid-2005, I joined another firm, then re-joined Guarantee Mortgage SOMA Office in November 2007.    

I live in San Rafael, California. I have two daughters, ages 14 and 16. I enjoy cooking, gardening, reading and being with my children.