I'm a Licensed Mortgage Broker.  This is very important.  In Washington State, the only people required to be licensed are true Mortgage Brokers like myself, who must earn a Mortgage Broker's license from the state, and carry appropriate insurance coverage & bonding (beware of loan officers who call themselves Mortgage Brokers; always ask if they have earned a Washington State Mortgage Broker's License).  There is no licensing required to be a loan officer, even at a bank or credit union.  If a Loan Officer were to deceive a client and then was confronted with his or her deception, he or she can simply quit and go to the next mortgage company without any recourse; there is no personal  accountability.  As a Washington State Licensed Mortgage Broker, I have my license at risk in every transaction, and there is personal & professional accountability with me.

I Guarantee My Costs & Service IN WRITING.  Many loan officers talk a good game, but when it comes down to it, they guarantee nothing.  Unlike everyone else in the industry, I Guarantee my client's satisfaction (service & costs) in writing on a separate loan document at application.  Should the Broker/Lender costs I estimate increase by more than 5% from the final estimate, I will step up & cover those cost increases.  Ask any loan officer you're considering working with if they do this in writing; you will be surprised at their reaction ("No One Does That!").  Well, I Do.  

My Knowledge and Experience.  I've been in the mortgage industry for 17+ years, and have helped 1100+ clients with their mortgage wishes.  I've written every kind of loan; from standard mortgages for typical clients, to mortgages for people who have less than perfect credit and/or hard to document income, to multi-million dollar loans for executive clients.  Consequently, my loan approval rate is 96%, versus the industry average of 60 - 65%.  No matter your situation, I possess the knowledge & experience to help you accomplish your goals!  For a short biography of my experience, Click Here.

My Business is Built By Referral.  Because I'm a business owner, and I depend on referrals as the predominant source of my future business, I have to do an extraordinary job EVERY TIME, or I won't receive referrals from past and current clients. 

I Devote All My Time serving our clients so they will receive the best service available.  My clients constantly refer their family members, friends, and business associates to me so I don't have to waste time and effort looking for new clients.  To see a few of my client testimonials, Click Here.

I Use the Consultive Approach.  By spending time, at our first meeting, finding out who you are and what you'd like to accomplish, I will find the best loan for you based upon your needs.  I ask very in-depth questions that help to determine your real purpose of buying, selling, or refinancing.  To see examples of my approach to mortgage lending, Click Here.

A Mission Statement of My Services For My Clients.  Unlike others in the Mortgage Industry, I have a long term vision of the services I provide my clients.  Because of this, I have developed and use a Mission Statement of these services.  To view my Mission Statement of my vision of the services I provide my clients, Click Here. 

I Offer a Wide Variety of Financing Options.  By representing dozens of Lenders, I'm able to offer an entire portfolio of loan programs and products, to fit your every need.  I use a special mortgage solution program that allows you to see different financing options and their impact on your finances.  This can save you THOUSANDS of dollars over the life of your loan!  To view this report, Click Here (requires Adobe Reader)   

I Do What I Say.  I will keep you updated throughout the entire loan process and you'll know the final figures before you get to escrow for closing.  No surprises!  

I Understand Your Busy Schedule.  I offer several ways to apply for a mortgage, to begin the approval process.  You can safely apply on-line, via fax or mail. The process will be handled quickly and professionally, so you'll have a pleasant experience.  To apply online, Click Here.

Rate Watch Report.  As stated in my Mission Statement, my job really begins when your loan closes. You will receive a quarterly Rate Watch Report that compares your current loan information with today's interest rates.  Additionally, I will personally review these reports to ensure that you have most optimal mortgage in place. To see a sample Rate Watch Report,  Click Here (requires Adobe Reader).

E-Mail Newsletter.  My clients receive a weekly e-mail newsletter, detailing such topics as real estate, financial planning, insurance strategies, income tax reduction strategies, estate planning and wills & trusts.  To see a recent copy of my e-mail newsletter, Click Here.

My Centralized Marketplace of Preferred Professional Partners.  It's comforting to know that when you need a Realtor, Tax Consultant, Financial Planner, an Attorney, etc., you can come to this site and select a trusted professional.  For a list of my Preferred Partners, Click Here.  

Client Appreciation Program.  To see how I treat all my clients, and why working with me is more advantageous than working with anyone else, Click Here.