Are You Ready for a Better Home Loan Experience? Call Me and Let's Talk.


Too many first time home buyers, refinancers, and reverse mortgage customers have endured terrible customer service, and results different than were promised at the outset. You don’t have to be one of them!

In calling myself your Mortgage Advisor, I hope to convey my lending style: I’m a seasoned professional with over twenty years in all facets of the home loan arena, but I’ve got the heart of a teacher. Since relocating my practice to Tehachapi in year 2000, my reputation for sound, strategic mortgage planning has allowed for over 85% of my business to come from referrals and repeat customers.

Don't leave decisions about your largest debt up to an operator at a call center – You deserve better and it’s easy to get started. Call Me and Let's Talk.

Common Questions


You're awesome and I appreciate you as a lender - Your communication is fabulous and you always do what you say you're going to do!..

Britney Embree-Carrington, REALTOR

As an educator, I so appreciate your giving me all the data to make our decision, and for making it clear that we're okay with our current loan...

N Franklin

Thank you so much for all your work to explore all those creative options and look at what is possible!..

Dr. Steve

You've provided a lot of information in a very short time – much appreciated!..

Howard K

You're the only one getting things done!..

Realtor D

Thank you for always being so efficient!..

Yolanda Acevedo

We trust you because when we went to you, you gave us cause and effect of all the different things we could do. not everyone would take the time to do that for us. We appreciate you...

Jack and Brenda

We sat down with another lender in town and your phone call alone was way more informative than what we heard from them in person. Thank you for telling us the extra info about credit scores!..

Eustas and Taylor

Thanks for your amazing communication. One of the many things I love about you is that you include the other agent too. I hate being the “other agent” and being the last to know anything..

Realtor RG

It's like night and day going with you as opposed to someone we'd never see or meet - we knew you would get us the best deal!..

Gene and Terri


Getting pre-approved for your mortgage is the most important step before shopping for a home. When you choose to work with me, we have a phone conversation about what you want to do and how I can help you get there. In most cases we can run the actual loan pre-approval (not just a pre-qualification) during our first call. Learn More


Are you looking to lower your house payment? Do you want to take cash out to consolidate debt? Would a shorter loan term and paying less interest make sense for your family?Learn More


Reverse mortgage is a special loan type only available to homeowners over age 62. Depending on your equity, these loans can provide cash, a line of credit, or a monthly income stream – and you won’t make another house payment for as long as you live in your home. Learn More