I am a Senior Mortgage Banker for Equity Concepts, Inc.  ECI is based out of the state of Rhode Island, we are the third fastest growing company in the state and continuing to increase our market share.  We are also licensed in the following states: CO, CT, DE, FL, IL, LA, MA, MD, MI, NH, NY, OR, PA, RI, TN, TX, VA, WA.  Our company has specialized divisions working in the fields of: New Home Purchases, Cash-out Refinances, Full, Stated and No Document loans, Rehabilitation Loans, Bankruptcy and Foreclosure settlements, as well as Credit Repair and Consultation.  I am currently working in the Pennslyvania branch.  I am continually seeking to establish stronger networking relationships with attorneys, realtors, financial planners, in order to benefit all parties.