I am a native Californian, growing up in San Francisco. I have two degrees from Santa Clara University, including an MBA.

I spent many years in Silicon Valley in high level financial analysis positions with multi-billion dollar companies.

For the past 6 years, I have leveraged those analytical and technology skills to dedicate myself to finding out ways to get the absolute best possible rates and lowest costs in the marketplace for my clients who wish to refinance.

In addition, I pride myself on using very creative and advanced techniques to work with Realtors throughout California to find the most intelligent ways to buy a house - meaning how to structure the deal to get the lowest possible rate.

You may be amazed at what the average mortgage broker or bank officer does NOT know or won't tell you.

In my spare time, I enjoy golf and travel, and with my wife, we enjoy nature with our two very cute Pekingese dogs in the Sierra Nevadas. While I live at Lake Wildwood, I have set up an infrastructure to do loans anywhere in California, and I network with numerous Realtors throughout the state.