Optimal Loans

As a homebuyer, you’re looking for a Mortgage Loan Officer you can trust, one who’ll be honest with you and help you every step along the way. I have experience making the borrowing process as uncomplicated and convenient as possible for my clients, and I’m backed by PNC. My goal isn’t simply to get you a mortgage, I’ll work hard to find a home financing solution that helps you buy a home responsibly. Let’s work together to get or keep you in the right home with the right mortgage.

Lets start with the basics: The building blocks of your mortgage are as easy as A B C: Assets, Budget, and Credit. Once you know the essentials, youll be a wiser borrower.I teach and advise before I customize your home loan solution. Well share a confidential, no-cost strategy session to determine your financial goals, and if you are buying a home, the price range you can afford. After more than 20 years as top loan originator in California, I have learned how to help a variety of borrowers with different income sources, matching the correct loan to their unique circumstances. Im ready to do the same for you.My years of experience and deep knowledge of loan programs allow me to think outside the box. If you have a challenging situation, please bring it to me. Dont let self-employment, divorce, or credit challenges keep you from becoming a homeowner. I have financing programs that give you more qualifying options, including bank statement, asset depletion and investor cash flow loans.When you choose my team and I to handle your home financing, youll find we communicate clearly, answer your questions quickly, and work together to close your loan as soon as possible. Its all part of the superior mortgage experience we provide for every client. We understand this is probably the biggest financial commitment of your life, so we will treat you with respect and honor you deserve. NMLS: 256864, Branch NMLS: 2029980

In over 14 years of home financing, Ive established a reputation for dependability and being a trusted resource to my clients and team. Over the years, Ive maintained real estate acumen to deliver top-quality service in an ever-changing lending landscape. From first-time homebuyers to experienced investors, Ive seen it all and got it done.My experience working with a diverse clientele helps me create a tremendous experience for everyone. I understand the nuances involved in home financing from the goals you may have to financial circumstances that may change whats best for you. Well discuss your situation, the loans and financing programs available, and make a plan just for you.From application to closing, Ill work tirelessly to ensure your transaction is efficient and finishes on time. I look forward to making your home loan experience pleasant and memorable by delivering the highest levels of communication and service.Im an avid San Francisco 49ers and Giants fan and lifelong resident of the San Francisco Bay area. When Im not at the game, youll find me spending quality time with my wife Tammy and our two daughters, Leah and Noelle. NMLS: 332741, Branch NMLS: 2377886 Equal Housing Opportunity.