I am committed to providing sound financial options when my clients are considering a home mortgage for their purchase or refinance and help them navigate thru the most challenging of transactions. My favorite clients are first-time homebuyers and it gives me great satisfaction to get them started out with a unique approach to an otherwise scary and confusing transaction.

Small decisions can have big consequences so it's vital to receive accurate and timely advice that makes a difference. Expertise, and especially experience can make all the difference in the world. I have successfully navigated and survived several nasty real estate market cycles in my 29 year career, especially the financial meltdown of 2008 and 2009. Not only did I survive, but also grew stronger as an originator and as an advocate for helping my clients chose the right mortgage for their unique financial circumstances at the point in time they needed the financing.

I am a huge fan of Star Trek, Star Wars and The Big Bang Theory and speak fluent geek. I am also an avid flower gardener and delight in sharing my hydrangeas, dahlias and zinnias with my clients when they come to my home office for business or client appreciation events. It makes everyone happy to go home with flowers! The Golden State Warriors are my favorite sports team, but I am also a big fan of the San Francisco 49ers and Giants.

Married to my soul mate, Drew, for 45 years, we have two wonderful grown children, and four of the cutest grandsons, ever. Our son, Glenn and his family live right around the corner from us and our daughter, Kelley and her family are thriving in Vermont. We are currently owned by 3 Golden Retrievers, which is why I call myself 'Your Mortgage Retriever' who let us make the mortgage payment for them so they can enjoy a privileged and delightful life in the beautiful wine country of Sonoma County in northern CA. We truly are blessed and grateful.