I have been a real estate and mortgage professional since 1989.  Born and raised in Santa Cruz county, California I am happy to help people make there homes here.  The Monterey Bay area is one of the most beautiful places on earth!

My team's goal is to handle every transaction in a manner that creates the highest degree of client satisfaction possible, earning their business as well as that of all their referrals. We provide the client with a “one stop shop” for all current market trends and professional service referrals.  Check out my Loan Closing Guarantee and Buyer's Rebate Program, or take advantage of our automated email property search..... you will be informed of new listings in real time as they hit the market or reduce in price to match your search parameters.

1.We analyze your current financial situation (where you are now), and, through the interview process, help you establish your priorities, regarding your financial wishes (where you want to be). We then match your current financial situation & future financial wishes with a mortgage solution that is tailor made to your goals, that best align with your life style. We view homeownership and proper motgage management as a key part of your wealth planning

2. Once you have determined a plan of action, we utilize the latest technologies to expeditiously close the transaction, whether it be a home purchase or refiance with the least amount of inconvenience, keeping you informed every step o the way.

3. Once escrow closes, our job truly begins. Through consistent application of our database & client retention contact program, We stay in touch with our clients on a regular basis, advising them on how to best help themselves overcome their challenges, adding true value to the relationship. In the long term, we provide the client with a “one stop shop” for all current market trends & professional services referrals.  

Thus my team's mission is to create “raving fans” about our company by providing customer service that is “legendary”, not just “satisfactory”.

In conclusion, my team and I strive to earn the right to become a trusted financial advisor by providing our clients with so much value that they consider us to be an integral part of their lives….. creating clients not just for one transaction, but for life.