Upbeat and energetic, I go the extra mile to get the job done right! Experience with HELOC's, Refi's, Purchases and Reverse Mortgages. No job too big or too small and my fees are negotiable. I am certified and background checked through the NNA. I carry $100,000.00 in E and O. I firmly believe in service with a smile and I strive to represent the Lenders in a professional manner.