How I Work

With many years experience in the financial services, real estate and mortgage industries, I can offer you solutions without a lot of runaround. I've survived the peaks and valleys of the real estate business and can lead you through the safest passages of the market. Every person's situation is different - no single mortgage plan will work for every individual. In fact, that's why I offer three separate mortgage plans to assist the varying needs of my clients.

Mortgages can be tricky even for those of us well versed in its language. For individuals not fluent in market-speak, it can seem downright impossible. Let me be your interpreter because I can offer you the following services in plain English.

• Debt Consolidation:

Debt Consolidation becomes necessary when debt exceeds income. Whether caused by credit cards, medical bills or a shift in income, debt consumes those unfortunate enough to get caught up in its grasp. Many of my clients suffer from the heavy burden of debt. It's like a weight that hangs from your shoulders and prevents you from moving on or from finding a solution. The stress of this burden keeps you from sleeping. You get up in the morning, you go to work, come home, feed the cat, take out the trash, go to bed and then you start the whole process over again but you never get to pluck out the root of the problem. You may think there's no way to solve your debt issue.

• Major Life Changes:

Often, life's tribulations take you by surprise. You never plan on losing your job, falling ill or changing your marital status. Several of my clients are divorcees and after surviving the harrowing experience of separating, they aren't in better shape than they were before. Even if you gain property in the settlement, it doesn't necessarily improve your wealth. Sometimes properties are just dead weight, costing more to own and up keep than to sell.  The problems arise when the market dives and selling the property won't even allow you to break even. Here's where I step in.

• Mortgage Planning:

The best defense is a good offense and it's never too early to start planning. Many of my clients have young families and want to get a jumpstart on preparations for their children's college funds while other "empty nesters" look forward to planning ahead for their retirement. Regardless of your family stature of status in life, it's never too early or late to start planning.

Regardless of the plan that best meets your requirements, when working with me, you can always expect honesty. My tax agent would tell you I'm honest to a fault but when your career involves dealing with people and their futures, I don't see any other way to be. If your goals are unobtainable, I'll let you know. But honesty doesn't have to mean bad news - if you are underestimating yourself, I'll gladly set you straight. Contact me to discuss any of these services.