Mortgage Banking professional with 30 years of experience funding more than 1 billion in team loan volume. My lending philosophy is simple, spend more time upfront discussing the needs of my clients, making safe and sound mortgage recommendations, then provide "World Class Customer Service" by holding the hands of my clients through the entire loan process. I strive to create an experience with my clients that builds a lifetime partnership in lending. Home Point Financial is a full-service Mortgage Banker specializing in agency direct lending with FNMA, FHLMC, FHA, VA, USDA. Other products included but not limited to are H.A.R.P, Jumbo, 203K, and HomeReady.