I have over 30 years experience in the real estate lending business, with a referral rate of over 95%.  I maintain an excellent reputation with both my clients and my business partners.  My philosophy is not only simple, but has stood the test of time - "PUT THE PERSON FIRST".  This IS my practice and what governs the way I do business.  I invite you to use me for your next transaction and let me provide you with professional service and personal care.