I am a Top 1% producing Loan officer that has only been in banking my entire career. I currently live in Maryland, but, originated from Santa Barbara California. While there, I worked as a lender and underwriter for Banks and Savings & Loans. I moved to the east coast back in the 90's to Maryland. That is when I began my career in 'mortgage banking' using my vast knowledge of understanding risk and relationship to the client borrowers. I have a stellar reputation and excellent work ethic that has benefited my hundreds of customers and builders/real estate agents I have worked for in the past 20 years. I work diligently to represent my financial institutions in the best and most positive light. My customers and builder-client base are loyal to me as I have worked for many years to sustain them and grow new business with them as often as possible. My goal is to always provide superior customer service and that entails a lot of financial review of the best way to finance and spread money around for the maximum benefit. As a former underwriter, I have a unique understanding of lending and how to look at and structure transactions so that accurate and efficient decisions can be made in a consumer - friendly manner. I created a joint venture and partnership with a Bank and Larry Hogan, the now current Maryland Governor, and successfully ran that Mortgage Banking Joint Venture from 2001 to 2007 time frame.
In an industry that stagnated during the mortgage meltdown era - 2007, I continued to help a huge amount of borrowers and builders through the most challenging years that allowed me to show my full expertise in banking and lending so that I have been able to keep an excellent following and referral base even through the worldwide market meltdown in 2007-2010 time frame. I am a methodical and loyal worker and outstanding sales person as evidenced by my personal production and closed loan volume year after year. I have received since 2005 Scotsman Guide Top 100 and 2018 Top Female loan officer is state of Maryland. With my passion for what I do and how I can help others in a unique way, I have received numerous awards and plaques for being the Top Loan officer at many Bank lending companies. I have a trusted relationship and focus for my clients and builder/real estate agents so they know I am on their team - not mine.