Hey there! I’m a mortgage veteran turned educator who believes finance doesn’t have to feel like a foreign language. After 20+ years and counting in the mortgage trenches, I’ve seen every type of loan, every type of market, and every type of “Wait… they said what at the bank?” moment. Now, I spend my time breaking down the confusing stuff so everyday people can make smart, empowered decisions about homeownership, money, and navigating the lending world. My style? Clear, conversational, and always honest. No sales pitches, no fluff, just real talk and practical guidance. When I’m not decoding mortgage jargon, you’ll probably find me tea or a nice bourbon, analyzing housing trends for fun (yes, really), or helping folks feel a little more confident about their financial future. Thanks for stopping by — I’m glad you’re here.