I am a real estate professional with more than 25 years of industry experience, complemented by many successful years as a loan agent, giving me a comprehensive understanding of residential real estate, mortgage lending and end-to-end transaction strategy.  A finance-centric approach allows me to evaluate every transaction holistically—from pricing strategy and market analysis to financing structure, underwriting considerations and closing timelines—so potential challenges are anticipated early on and risk is proactively managed. I work with first-time homebuyers, move-up buyers, sellers and real estate investors, guiding clients through competitive markets, multiple-offer scenarios and complex financing with clarity, discipline and confidence.  Clients value my ability to translate complex financial and market data into clear, actionable guidance, enabling informed decision-making at every stage of the process.  Known for professionalism, discretion, and results-driven execution, I deliver a seamless experience from initial consultation through escrow and closing.  My integrated background in both lending and real estate helps ensure smoother transactions, stronger outcomes and long-term relationships built on trust, performance and referrals.