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Your "Certified Residential Mortgage Specialist"

My Philosophy

As a mortgage professional, I see a mortgage, more than ever, not as a mortgage loan once was, but instead as a financial planning instrument that must be integrated into one's long and short-term personal financial plan. My goal is to create a mortgage strategy to help build wealth for both you and your family.

With over 18 years' residential mortgage lending experience, I am committed to engineering financial solutions for my customers to help them achieve their financial objectives.

I look forward to having the opportunity of helping you reach yours.

Customers first

Borrowers who are happy with the mortgage loan I helped them get are more important to me than anything else. My goal is to make the loan process as simple and worry-free as possible. I pride myself in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, my purpose is to satisfy your needs. By putting you first, I assure you a pleasurable transaction.

Get fast answers

At my website you can find the tools and information available to answer virtually any mortgage question. My Loan Program page will help you find the right type of loan for you. Be sure to visit the "Qualification Analyses Reports" page for the most sophisticated mortgage analytical reports available in the market, and available on demand. View samples, and then request yours today!

Always remember, I'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice, complete with an "Estimated Cash To Close Worksheet". It's aways in your best financial interest to GET IT IN WRITING!

Thanks again for visiting me online and I hope you enjoy your online experience.

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Mortgage News Daily

FHFA Veteran Picked to Run Strategic Plan for Fannie and Freddie - 5 hours ago
Posted To: MND NewsWireThe Federal Housing Finance Agency (FHFA) announced a new office to implement its Strategic Plan for Fannie Mae and Freddie Mac Conservatorships and named the person who will head it. Acting FHFA Director Edward J. DeMarco appointed Wanda I. DeLeo as Deputy Director of FHFA, responsible for the newly created Office of Strategic Initiatives. The Plan which was sent to Congress is February established objectives and steps for FHFA to take to meet its obligations as conservator of the two government sponsored enterprises (GSEs). Under the plan, the next phase of the conservatorship will require FHFA to: Build a new infrastructure for the secondary mortgage market; Contract in a gradually manner the GSEs dominant presence in the marketplace while simplifying and shrinking their operations; and...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Lines Drawn over California Homeowner Legislation - 5 hours ago
Posted To: MND NewsWireThere is a bit of a dust-up going on over passage of a Homeowner Bills of Rights in California . The Center for Responsible Lending ( CRL ) and the Mortgage Bankers Association ( MBA ) have weighed in on opposite sides of the package consisting of six bills sponsored by Attorney General Kamala Harris. Harris, when she introduced the legislation, said that they had a goal of providing homeowners with a system where the rules are clear, where everyone gets a fair shot and everyone has equal standing. In simple terms, the bills which are modeled to a certain extent on the $25 billion settlement agreement would ban robo-signing, give tenants 90 days rather than 60 to leave a property after foreclosure and end "dual tracking" where a servicer is negotiating a modification while still speeding toward...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

MBS RECAP: Some Month-End Volatility, But Bond Markets Hold Gains - 5 hours ago
Posted To: MBS CommentaryMBS Live : MBS Afternoon Market Summary In an earlier alert at 2:02pm, we postulated that the rest of the trading day may be some sort of sideways or triangular pattern of narrowing ranges ahead of tomorrow morning's NFP, and that's effectively all that's happened this afternoon. We saw a big jolt of price movement just ahead of the 3pm hour into the Treasury close (end of day and end of month), but it was purely trade-flow driven. MBS, TSYs, The Euro, and most everything else took two steps forward, two steps back, and have been trading in decreasing amplitudes since then. Yes, it's all about Europe, but NFP is still super important tomorrow morning. It can definitely move markets even if that movement is more muted due to Europe. Remember that NFP is less about the state of the economy tomorrow...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Mortgage Rates At New All Time Lows Ahead Of Key Jobs Report - 7 hours ago
Posted To: Mortgage Rate WatchMortgage Rates improved again today as domestic economic data joined with ongoing fear of a European currency collapse to send US Treasury yields well into new all time lows. Mortgage rates duplicated that feat, but not nearly as convincingly. After being stuck in the mud for months at 3.875%, the mortgage rate levy broke, giving way to 3.75% recently. With today's gains, some lenders are at a 3.625% Best-Execution rate for 30yr Fixed Conventional Loans. (Read More: What is A Best-Execution Mortgage Rate? ) (Get Caught Up With: Yesterday's Post ) Although the market continues to be primarily driven by Europe, today saw the addition of slightly negative domestic economic data contribute to an incrementally gloomier outlook for the global economy. Investors are scared and the common quip being...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

HOPE NOW Reports 43K Loan Modifications in April - 8 hours ago
Posted To: MND NewsWireHOPE NOW is reporting that servicer-members of its alliance completed 43,000 mortgage loan modifications during the month of April, down 8 percent from the 47,000 modifications done in March. These modifications, done through proprietary programs do not include the April modifications completed by servicers through the Home Affordable Mortgage Program (HAMP) which are reported separately. HOPE NOW was an early response from the mortgage industry to the growing foreclosure crisis. It is an alliance of mortgage servicers, investors, counselors, and other mortgage market participants that has developed and is implementing a coordinated plan to help homeowners. In addition to loan modifications, HOPE NOW operates a homeowners' hotline, sponsors community events to help homeowners navigate the process...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

Certified Mortgage Planner

Cell Phone: (708) 558-8434

Fax: (312) 896-5997

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