I grew up in Holt, MI prior to moving to Florida in 1985. In between I spent time in the Army and attended a year of College at Tennessee Temple University. I started in the financial services industry in 1986 with American General Finance, formerly Credithrift and worked for them till 1993. In 1993, I left and entered the Mortgage Lending side of the Financial Services Industry. I am the proud father of a son and daughter that I raised by myself, and have 2 grandchildren that are my pride and joy. As far as the lending industry and mortgage industry, I have worked in nearly every part of the loan process over the course of my career. My primary focus is to help individuals and families achieve the dream of homeownership. My experience in the mortgage industry and dedication to high quality customer service allows me to help borrowers in diverse financial situations.