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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

MBS RECAP: 2/24/2012 - 16 hours ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-13 : -0-01 FNMA 4.0 105-08 : -0-01 FNMA 4.5 106-18 : -0-02 FNMA 5.0 108-00 : -0-02 GNMA 3.5 104-26 : -0-02 GNMA 4.0 107-20 : -0-02 GNMA 4.5 108-31 : -0-02 GNMA 5.0 110-20 : -0-03 FHLMC 3.5 103-05 : -0-01 FHLMC 4.0 104-29 : +0-00 FHLMC 4.5 106-05 : -0-01 FHLMC 5.0 107-20 : -0-02 Pricing as of 3:59 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 3:10PM : ALERT: MBS Hit Lows of the Day. Negative Reprice Risk Slightly Increased One of those "early warning" alerts that may or may not materialize... A "heads up" if you will... Fannie 3.5's are grinding against their lows of the day for no particular reason other than the normal sorts...(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 Improve For Third Straight Day - 16 hours ago
Posted To: Mortgage Rate WatchAfter beginning the week in significantly worse shape, Mortgages Rates finish the week having fought back in small increments against that weakness in each of the past three sessions. The losses on Tuesday (which was the beginning of the week due to the President's Day holiday) brought Best-Execution rates for 30yr Fixed Mortgages to 4.0% on average. That was the first time in almost month! But rates slowly fought their way back down to a point where 3.875% once again is the Best-Execution rate for the majority of lenders in our survey. Read more about what that means in this previous post with more detailed discussion about Best-Execution calculations . We were prepared for some volatility today, primarily due to the inception of Greece's private sector debt swaps, wherein Greece would officially...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

MBS and Treasuries Continue Trading In Morning's Narrow Ranges - 19 hours ago
Posted To: MBS CommentarySo far, today has been a serious snoozer for bond markets. Volume is low and volatility is all but absent as 10yr notes and production MBS continue trading in the same ranges seen this morning. There was a brief moment of exception to this fact on the announcement that Greece's debt swap had formally started, but this was limited to 10yr yields only, which have operated between 1.99 and 1.97 all day. MBS have been exclusively within 103-13 and 103-18 in Fannie 3.5's. The chart below from MBS Live shows the brief foray outside the range for 10yr yields. (source: MBS Live Dashboard ) It should be noted that the true break in the range came not on the announcement itself, but on IIF's Dallara commenting that Greece's potential use of collective action clauses raises concerns for other sovereign...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

NAR Optimistic about Commercial Market, "A Landlord's Market" - 20 hours ago
Posted To: MND NewsWireMulti-family rentals are leading the recovery in the commercial real estate market, becoming what the National Association of Realtors® (NAR) calls "a landlord's market commanding bigger rent increases." NAR, in its quarterly commercial real estate forecast said that all of the major commercial real estate sectors are seeing improved fundamentals, but seems most bullish about the multi-family sector. NAR is projecting that vacancies in the apartment rental market is likely to drop from 4.7 percent in the first quarter of 2012 to 4.5 percent in the first quarter of 2013. Multifamily vacancy rates below 5 percent are generally considered to indicate a landord's market with demand justifying higher rents. Rents did increase an average of 2.2 percent last year and are expected to rise 3.8 percent...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.

New Home Sales Fall 0.9% in January - 20 hours ago
Posted To: MND NewsWireNew home sales in January were at a seasonally adjusted annual rate of 321,000, a decrease of 0.9 percent from the upwardly revised December rate of 324,000. The December pace of new home sales was originally estimated at 307,000. Estimated sales in January were at a rate 3.5 percent higher than one year earlier when sales were running at 310,000 units. The U.S. Census Bureau and the Department of Housing and Urban Development released the numbers Friday. An estimated 22,000 new homes were sold during January. About half (10,000 homes) were completed when sold; the remaining 12,000 were equally divided between homes under construction and homes for which construction had not yet begun. These numbers have been virtually unchanged since November and are nearly identical to those in January 2011...(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

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