I was drawn to the mortgage industry after having my own, less than desireable experience in buying a home.

I grew up around the business as both my parents were top real estate producers in Northern California. After spending about eight years as a computer programmer, I decided it was time to make the leap to the mortgage industry and see what I could accomplish.

Within my first year, I was in the top 10% of loan agents nation wide. By the end of 2008 I suppose I will be in the top 1%.

I have two distinct business niches that tie together. The first being the First Time Home Buyer client. I am highly educated in special down payment assistance programs and CalHFA first mortgage financing. This has allowed my clients to receive on average $97,000 of assistance to purchase their first home. I hold a monthly first time buyer seminar in Calabasas, CA where buyers are welcome to attend. More information is at www.FTHBLA.com.

The second part of my client business teaching existing home owners about Home Equity Retirement Plans. I have had published several articles relating to this in the Los Angeles Daily News. In addition, I recently published, The New Rules of Home Equity" a seventeen page booklet that teaches home owners why their home equity is better used outside the home, rather than in it.

In addition, I am a contributing author to the Daily News and have a weekly Real Estate Radio Show called Straight Talk Real Estate. Currently airing Sunday's at 6pm on KRLA AM-870 in the Los Angeles Market, or the show can be heard online at www.StraightTalkRE.com.

It is my desire to do the right thing and never compromise so I will be here for my clients mortgage needs long into the future.