Home Loans in California, Texas, Tennessee & Florida 

Looking for a trusted mortgage lender in California, Texas, Tennessee, or Florida? With more 

than 30 years of mortgage lending experience, I’m here to help make buying or refinancing a 

home simple, stress-free, and personalized. 

I proudly serve homebuyers and homeowners throughout California, including Sacramento 

County, Placer County, and El Dorado County, with a strong focus on Folsom, Fair Oaks, 

Orangevale, Citrus Heights, Carmichael, Antelope, North Highlands, Rio Linda, Rancho 

Cordova, Elk Grove, Wilton, Roseville, Rocklin, Lincoln, Loomis, El Dorado Hills, 

Cameron Park, and surrounding communities. I also provide home loan financing in Texas, 

Tennessee, and Florida. 

As both a Direct Lender and Mortgage Broker, I offer access to a wide variety of home loan 

options, including: 

• First-Time Homebuyer Loans 
• Conventional Loans 
• FHA Loans 
• VA Loans 
• USDA Loans 
• Jumbo Loans 
• Investment Property Loans 
• Refinance Loans 
• Down Payment Assistance Programs 

Because I have access to multiple lending sources, I can help you find the right loan with 

competitive interest rates, low fees, and fast closing times. 

Many borrowers shop only for the lowest advertised interest rate, but the best mortgage is about 

more than the rate alone. Closing costs, lender fees, loan terms, and the ability to close on time 

all matter. I take the time to explain your options clearly so you can make an informed decision 

without surprises. 

When you work with me, you’ll work directly with me—not a call center or a series of different 

people. I’ll guide you through every step of the mortgage process, answer your questions 

promptly, and keep you informed from application to closing. 

Whether you’re buying your first home, moving up, purchasing an investment property, or 

refinancing your current mortgage, I’m committed to helping you find the financing solution 

that’s right for you. 

Ready to get started? Contact me today for a free mortgage consultation or to get pre-approved 

for your home loan.