I have been involved in the Santa Cruz real estate market for almost 30 years. I first was a Realtor for about 15 years and then changed my direction to learn the mortgage side of the business. I most enjoy helping my clients find the right loan for their needs. In the past I have helped many first time home buyers. It has been very satisfying to see young people get a start in our community and become prosperous through ownership. I also have counseled many homeowners in order to refinance their homes to fund education for their families, remodel their homes or perhaps buy an investment using the existing equity. My whole career has been based on referrals from past clients. I truly appreciate referral business! Please feel free to contact me with any questions about your own present situation. In this challenging financial time there are many strategies for surviving all the changes taking place. I'm here to help in any way.