In the 60's and 70's, if you wanted to buy a home you went to the local bank or savings and loan. You were generally offered two choices: a 30-year fixed or a 15-year fixed rate loan. In the 80's lenders added the variable rate loan to their repertoire. The loan officer took your application, sent it to the "Loan committee," the committee determined if you could qualify for the loan. A few weeks later you got your answer "YES or "NO" and that was that. There were not many options.

Well, things have changed! Today there are literally thousands of programs and products and as many ways to use them. In fact, it's virtually impossible to keep track of how each one of these programs works and understand all the different types of variables and options.

A trained Mortgage Professional is your best ally against this swelling wave of programs and options. Add refinancing to the confusion and you really need the help of a pro to help you develop a mortgage management strategy...a pro with a variety of tools and programs, including:

Those are just a few of the tools and programs I have in my portfolio ready to help you save money on your mortgage. We use state-of-the-art tools and technology to guide you to the best solutions for your particular situation and needs.