I am a mortgage industry veteran with experience originating residential loans, and managing teams at the local, area, and regional levels. This experience has allowed me to assist my clients in funding more than ONE BILLION dollars of home loans. I began my mortgage career working with VA loans in the St. Louis area in 1993, and became both an VA and FHA expert. As time went on, I learned the intricacies of adjustable rate mortgages, buy downs, and state bond programs. While specializing in first time home buyers, I built a loyal customer base and now feel fortunate to be helping the children of the those whose first home loans I assisted with many years ago. I have coached both loan officers and real estate agents to success, and find humble satisfaction in changing lives for the better.