After graduating from Cal Poly, San Luis Obispo with a BS in Animal Science, and spending several years post-college in the Animal Science industry, I found myself at a crossroads in life. Not knowing where it would eventually take me, I took a job with a mortgage broker in San Luis Obispo, Ca.

Now, 24 years later, I cannot believe how fulfilling the journey has been. Helping thousands of clients finance their dreams, has in turn enriched my life beyond words.

I believe in a comprehensive approach, working with the clients and their financial partners in developing a plan that will both support and enhance their financial goals. Honesty and integrity, combined with experience and know-how and always with the client’s best interest at heart, I strive to educate my clients so that their home financing experience is the least stressful step in purchasing a home.

In 2014, my wife and I moved to beautiful Bend, Oregon to take advantage of all the area has to offer. We came for the rivers, trees, and mountains and we stay for the rich community that we have found here. I would be honored to help you do the same.

VVA4s are the professionals have earned this rank with time in service as well as exceeding minimum performance standards of VVA3. They have served a minimum of six months as a VVA3, met all performance metrics, and continued to submit their accountability tracking on time regularly. They will answer every question perfectly in accordance with the VA Lender Handbook guidelines, VA resources and, not just one lender's overlays. During these 6 months we are testing their hearts and minds. They will be the embodiment of our institutional core values of honor, courage, and commitment. We want to see the best showing up in VVA4; we want to see how they engage you, respond to your direct questions, and respond to questions that could benefit them but they will never take an individual position to gain through solicitation. We aim to achieve the change we want to find for you and protect you as a Veteran and Active Service Member. Changing the hearts and minds of those helping you is the only authentic way to make a difference. No regulation or rules will help because people are still the same in trying to find easy ways around rules. VVA4 are there to serve you because you serve our Country.

At VVA4 the professional will be eligible to serve as a Squad Leader. This challenge is to begin training peer to peer leadership in a unique way. These peers are not employees, they are not subordinates, they are unique peers that choose to follow and whose leadership must be earned. The minimum time spent in VVA4 will be approximately 1 year.