Why I Do This
I grew up right here in Fillmore, CA. My parents worked hard their entire lives, and I watched them struggle to buy their first home. The bank made it complicated, expensive, and stressful. I remember thinking, "There has to be a better way."
That was 25 years ago. Since 1999, I've helped over 5,000 Ventura County families buy homes and funded over $1 billion in loans. I've seen every market crash, every rate spike, every "impossible" situation. And here's what I've learned: the banks don't work for you—they work for their shareholders.
As an independent mortgage broker, I work for YOU. I shop 20+ lenders and bring you the 3 best offers. You pick the winner. Banks can't do that—they only sell their own loans. That's the difference between getting a decent rate and getting the BEST rate.
I still live in Ventura County. I know every neighborhood, every street, every appraiser. When you call me at 9pm on a Saturday with a question, I answer. Try that with Wells Fargo. This isn't just business for me—it's personal. These are my neighbors, my community, my home.