2019 signifies my 31st year as a loan officer. My primary business focus is residential mortgages for primary residence, second homes and 1-4 rental properties. I can lend in all 50 states but I have also obtained state licenses from Oregon, Colorado and California prior to joining the bank.
Currently I am a business leader and senior loan officer for Willamette Valley Bank. My background as a mortgage broker means that I know the full scope of what is available to consumers. The added advantage I have now with Willamette Valley Bank is that we have a commercial bank side that allows us to fund loans that make sense but still don’t fit FHA, VA, USDA or Conventional guidelines.
The diversity and range of loans that I can handle is huge. I have lived and originated in very high cost areas like California and ski resorts in Colorado. I have also done a tremendous amount of work for first-time homebuyers and know all about zero down programs and grant money. Condominiums are a special niche I am good at because of the volume of business I have done in resort areas and for first time buyers. The most unusual niche lending that I have done is leased land. I have done over 300 loans on leased land for professors at University of California, Irvine and California State University, Monterey Bay.
My job is helping people realize life-time goals and financial well-being through home ownership. I do this by being a loan consultant that cares about his clients and walks them through all the steps of obtaining financing for a home. I work diligently to provide options regardless of your assets, income or credit history. I also take responsibility to teach and share what good financial practices are so that all clients can all have a positive experience when buying or refinancing real estate.
On the personal side, my wife and I will celebrate our 30th wedding anniversary this year and last year we got to celebrate our one and only daughter’s wedding so we now also have a son to call part of the family. My wife is a writer and film maker and our daughter is in her first year as a Naturopathic Doctor.