With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. Licensed in multiple states, offering many loan products with ZERO close costs available for; Conventional, VA, FHA, High balance, Jumbo loan products. Down payments as low as 0% available. national direct lender that also services our loans long term. Cash out refi, rate/term refi, custom terms from 8-30 years available, online access, ZERO prepay penalty! Personalized service with custom terms to build the exact loan you want and need.