With over a decade of lending experience to draw upon, I’ve closed over 700 transactions for borrowers in the Foothills, Bay Area and both Northern and Southern California. In addition to FHA, VA, Jumbo, and Conventional loans, I’m also familiar with local down payment assistance programs that assist homebuyers who may lack the cash to close a loan. Since Caliber’s originations system is web-based, I can create a virtual office in your home or office. This support my hands-on approach to customer service, which includes making myself available to you evenings and weekends. After I explain how the loan and credit process works, we’ll discuss your personal preferences and budget requirements. If you’re working with a REALTOR®, I can ensure that your purchase contract is written in harmony with your loan program. I pride myself on delivering my loans on time without hidden costs or last-minute problems. Please take a minute to view my client testimonials – you’ll find many happy borrowers. Many have returned to me as move-up buyers or when it was time to refinance their existing home. Almost all have referred friends, family and colleagues to me. For a free evaluation of your existing mortgage or to get pre-approved for a new one, contact me at any time directly at 916-798-2601.