in the real estate business in 1977 as a Realtor in California and became a
real estate broker in the states of Kansas, Oklahoma and in Colorado since 1984.
1985 I went into the mortgage industry where I am today. The mortgage industry has been very good to
me, starting with a small broker Triad Mortgage, where I spent 6 months moving
to Bank Western from 1986 to 1989. For
the next 15 years I worked for Wells Fargo (formerly Norwest Mortgage) where I
was the preferred lender for Oakwood Homes.
This and other relationships enabled me to be an award winning lender
for Wells Fargo.
That success gave me the opportunity to become the Branch Manager for
Countrywide Home Loans in their flagship start up branch in Cherry Creek from
2004 to 8-2005
times and events, in real estate and mortgage industries since 1977. I survived the real estate down turn in the
early 80’s, including paying 18% on my own mortgage. I have seen run away price increases, watched FHA grow into and out of the number
one product and most recently I have seen the transition from a conservative 30
year fixed loan to interest-only stated income ARM loans back to conservative
highly documented 30 year fixed loans. With the mortgage crisis 2007-2012 we are
back to the ultra conservative 30 year fixed rate and the required regulatory
government disclosures, compliance, pricing and licensing!
Lending since August 2005: they are
unique in that they offer an array of investors to choose from, which gives us
a choice in programs, products and rates, a Colorado based company. We have in house underwriting, processing and
closing which enhances customer satisfaction and a delivery system for HUD’s
and Closing Documents that are superior to all I have been associated with.