I grew up in the Bay Area and currently live in Pleasanton, California, with my wife Lynn, where we raised our two daughters.

I have been a licensed real estate broker since 1980.  In 1990 I became a mortgage banker.  Since 1990 I have funded thousands of mortgages with a 100% approval record.  Every client I have worked with to buy a home has had their loan approved.

There are dozens of loan options today and each loan has particular features and benefits.  During your loan consultation, I will help you determine what loan program will best serve your personal long term and short term financial goals at the lowest overall cost.  During our consultation, I will help analyze the tax savings benefits of home ownership and your monthly cash flow objectives.  I will also help you avoid the costly mistakes many people make when obtaining a mortgage.

I specialize in residential loans, 1-4 units.  Cherry Creek Mortgage is a direct FHA and VA lender.  We originate the loan, we process the loan, we underwrite the loan, and we fund the loan.  As a mortgage banker and mortgage broker, I have access to hundreds of sources nationwide to ensure you get the best possible loan.  I offer a wide range of loan options, including fixed rate, adjustable, jumbo, second mortgages, Reverse Mortgages, VA, FHA, STRS, interest-only, super jumbo, special first-time buyer programs, zero point, and no cost refinances.

I want to make the process of obtaining your loan simple and stress free.  You can apply over the phone, online, via fax, or we can meet face-to-face in my office or your home or office.

After your loan closes, I will monitor your loan and will advise you when it would make sense to refinance to a lower interest rate using our no-cost refinance program.