I grew up in Northern California, attended Sonoma State University and settled down in Sonoma County where I still live with my wife and three children. I currently serve on the board of directors and am involved in many organizations such as: COTS, The W Foundation and Mary Collins School. I believe that being involved in the community is essential for a better learning and living experience for generations to come.

I have been in the mortgage business for 9+ years serving clients all over California. I close an average of 70+ million dollars in Mortgage Loans annually, which allows me to help hundreds of home owners in their quest to save money on a refinance or purchase a new home. To insure the smoothest outcome when obtaining a mortgage, the key is to work with a professional EARLY in the process. This means meeting with a mortgage professional BEFORE you have found the home that you would like to purchase/refinance.

Along with being a mortgage professional, I am a food and wine enthusiast. I love sharing moments in time with people I know, and don't know, so that I can live a life full of perspective. I don't believe that anything in life is impossible. With a good attitude, anything can be accomplished!

There are pros and cons with a fixed rate mortgage versus an adjustable rate mortgage (ARM), especially for first time homebuyers. The low initial cost of adjustable-rate mortgages, or ARMs, can be very tempting to home buyers, yet they carry a degree of uncertainty. Fixed-rate mortgages offer rate and payment security, but they can be more expensive. With the right information, whether it is a refinance or a new home purchase, I can help my customers pick the best mortgage that meets their financial goals.