Independent broker - working for you, not the lender
	Access to hundreds of programs - ensures that your unique needs are satisfied
	Personal service - directly accessible for clear communication
	Trustworthy professional - personal integrity assures your comfort level
	Credit repair specialist for all types of credit problems - credit expert services
	Refinance mortgage, purchase mortgage or Home Equity Line Of Credit (HELOC)
	Low rates, low costs, innovative problem solver!

	Application   Either in person, by phone and fax, or by email and fax, we take a few minutes to gather information on your financial position.
	Credit Repair If required, a comprehensive review and analysis of your credit scores, credit history and current credit issues followed by immediate credit repair advice.  We can perform credit repair 'what if?' scenarios and obtain credit bureau rescore outcomes so you can take immediate control of your credit scores.  This is a superior advantage in helping you to achieve 'A' paper credit in the shortest time possible.
	Determine Loan Program    Included here is a financial and credit analysis which leads to selection of a specific loan program.  I explain the mortgage jargon in terms that you clearly understand.  I guide you to a loan that you feel comfortable having.  There are hundreds of loan programs available to meet your specific needs.
	Submit to Lender   Once I have shopped the market for the best rate and terms in your chosen program, I submit the loan application and appropriate documentation.  A credit report and appraisal must usually be included with the submission.
	Loan Approval   All mortgage loans that are approved have conditions.  I work with you to provide the items that satisfy the loan approval conditions and I order the loan documents.
	Loan Document Signing   You go to the escrow office and sign a stack of papers.  I am there with you to explain everything that you are asked to sign and to ensure that all is correct.  You may also choose to have the loan documents brought to your home or office for signing at your convenience.
	Loan Funding   Just like it sounds; once your loan funds the Trust Deed must be recorded with the county.  Once we receive confirmation that the deed is recorded then you either get the check (if refinance/cash-out loan) or, if a purchase, the keys to the house!