Professional Background/Education
- Department of Financial Institutions – State of Arizona: Licensed Loan Originator (LO-0912496) and Nationwide Mortgage Licensing System (NMLS) number 204419. Completion of 20 hours of coursework, National and State Testing and criminal background check.
- Been in the residential mortgage business as a Loan Originator since 2002.
- Graduated from West Virginia Wesleyan College in 1993 with a Bachelor of Science degree in Business Marketing and Economics.
- Member of Remarkable Referral Networking business group based in Scottsdale, Arizona.
My customer service philosophy is not a slogan but a real accountability to both the borrower and the Real Estate agent as a trusted advisor whatever your mortgage needs. The “Banker Hour” days are over. I will listen and respond to your questions or requests with the resulting answers being in the borrowers’ best interest.
VIP Mortgage Inc. allows me to follow through with my philosophy because we are not one of the Big Banks that you may have used in the past. We have the flexibility to place the borrower into the loan option that is appropriate for the individual Loan Scenario and allow us to say “YES” for many more applicants. This allows these applicants to become homeowners.
- Close of Escrow: VIP Mortgage also has the ability to close your loan in 15 days or less to give the borrower and Real Estate agent an Advantage at the bargaining table if needed. We have processing, Underwriting, Docs Drawn and Funded by VIP’s local operations. I will hit your Close of Escrow.
- VIP also pre-funds all of our Loans – This means your wires are ordered before the day of closing.
- With VIP Mortgage you will also avoid Big Bank Overlays, such as Flips, max property rules for investors, unpermitted additions, appliance requirements, Debt to Income limitations, etc…..
- Banker: Direct endorsement FHA, VA, USDA and delegated Conventional Conforming and Jumbo programs.
- VIP Mortgage rates are simply the best in the state – I was recruited by numerous competitors and VIP simply has the best pricing for the Borrower and the Real Estate Agent referral.
Individual Licenses National: 204419 State-AZ: 0912496
