Dynamic and accomplished MLO with 15 years of experience in residential mortgage lending. Consistently recognized as a "Top Producer" with a proven history of exceeding sales targets, delivering superior customer experiences, and cultivating long-term client and referral relationships. Deep expertise in California lending guidelines, loan structuring, underwriting procedures, and market trends. Passionate about helping homeowners achieve their financing goals with integrity and precision. Dual California licensed agent MLO# 391472 DRE# 02283398