I grew up in Brooklyn, New York before moving to Bethlehem, Pa where I met my wife and decided to move to Southwest Florida.  Prior to entering the mortgage industry, I dedicated 13 years of my life to the banking industry in multiple roles from personal banker to small business banking and lending and branch management.  Although I loved what I did at the bank I always have had an affinity for lending and helping people to find a way to answer financial questions and build plans. The lessons that I have learned throughout my banking career are key to how I operate within the mortgage field, from the beginning of the process my primary focus is not just what loan will benefit you and your family but also what the plan looks like for you post-closing to be there as a trusted advisor. My greatest achievement within the mortgage industry is being able to turn the no’s to yes’ for families looking to achieve the American dream of home ownership.  I look forward to being able to help you in any way I can to achieve this dream as well. I specialize in first time home buyers, government loans, and challenging situations.