If you are looking to buy, build, or refinance, I am here for you.

I am not a robot and I do not sell your information to salesmen like some of these famous websites. I am a guy from St Augustine who likes to help people get loans that work for them.

I will beat any bank in town through long standing and high volume relationships with a variety of wholesale lenders that specialize in residential mortgage. These lenders are designed to offer significantly lower rates by taking advantage of the secondary market and keeping their organizations lean.

The key to our success is knowing which lender has the best rates and service for each situation. One lender usually offers the best rate on adjustable rate mortgages while another has the best underwriting for self employed candidates. Some lenders are more competitive for borrowers with excellent credit and some specialize in Alt-A loans.

You don’t need a five minute quote from a computer, you need a real person who cares about integrity and who understands that customer service is marketing. I want five stars on every deal and I will take the time to give you what you need. My cell phone number is at the top of the page and I keep it on. You need the best rate, the best terms, answers to all of your questions and communication and support throughout the process. You need an originator that will hammer your application home and support you through underwriting. I am set up to do exactly that.

Low down payment or no down payment, there is a next step toward home ownership for you. Small business and self employed applicants can qualify with the right lender. Low credit scores and high DTI can be mitigated and I can guide you through that process as well. I will negotiate with the lenders to either cover your closing costs, if no closing costs is your best option, or lower your rate for big long term savings.

I offer the lowest rates and keep the loan process simple, straightforward and fast for borrowers seeking a mortgage in Northeast Florida. Prior to becoming an originator, I worked in public education for 12 years as a Math and Technology teacher, an Assistant Principal and a Principal. Helping and educating people is what drives me. There are a lot of factors in home financing and it can be complex. I continue to work as an educator in this field. Purchasing a home can be the best decision and you should make your choice with confidence that everything was clear, understandable, and planned in your best interest.

I work with refinance, home equity loans, purchase, VA Loans, FHA Loans, Jumbo Loans, new construction loans or any other residential loan. Centrally located in Saint Augustine, I primarily serve St Johns County, Jacksonville, Palatka, Palm Coast, Daytona, Fleming Island, Ponte Vedra Beach and the surrounding areas. I have been in St Augustine since the 90’s and it has changed a lot and it is getting ready to change even more. Nocatee, River Town, and the entire Northwest Saint Johns County are adding nearly 10,000 homes in the next decade. School choice will have an interesting impact on property values in Mandarin and all of Southern Duval. Rents are going through the roof as well. Let’s take the first steps and get a good look at your goals and situation so you can take advantage of this growth. I do not charge anything for the consultation and I can easily get you pre-qualified and moving in the right direction.

Whether you are ready to buy now and need a loan in a hurry or you are looking down the road, it is never too early to get your financing in order. Consultation is free and knowing where you stand will allow you to negotiate and take advantage of the best rates available. There are many pitfalls in home ownership and we will work together to keep you safe and on track to meet your goals. Contact me today!