I began my mortgage career in 1987 and purchased my first home within a year. I already understood that the quality of advice I offered my clients regarding their single largest debt could impact their financial future but it suddenly became very personal.

Mortgage loan officers are trained to analyze a borrower's ability to qualify for a mortgage, but not to analyze the mortgage in the context of life goals. I found that to be a frustrating gap in my training so I started calling financial planners. Keep in mind, I was 26 years old and spending just about every cent of my liquid cash to purchase a home so I wasn't exactly a potential client for anyone but I was fortunate to find several financial planners who would speak to me. Those conversations were extroadinarily helpful were the begining of my ongoing educational journey.

As my career continued (20 years and still loving it!) and I worked with a broad range of clients' financial goals, the questions for financial planners and other professionals became more complicated. Taxation and after-tax cash-flow, return on investments, incorporating mortgage financing and retirement planning, and real estate investment.

It is my top priority to provide mortgage options for review in the context of personal goals, the pros and cons of each, to answer questions clearly and accurately, and ultimately to enhance your financial future. The greatest joy of my job is to get an unexpected phone call from a client years after obtaining their mortgage just to say "Thank you!" because they were able to afford their dream home and still pay for their child's college education (or some other important goal) as a result of our mortgage planning.

P.S. (but really deserves higher placement than a P.S.) The handsome devil in the picture is my best friend and champion....my husband Joe.

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