I have 20 years of experience and in that time have handled a high volume including overcoming difficult/challenging transactions.   That experience is useful to making your home buying or refinance experience so much smoother regardless of your financial and credit complexity.  I have guided the community and many families towards security and profit by giving candid, caring knowledge.  Many of my clients are very loyal not so much for the transactions they have done but more so the ones I advised them "NOT" to do; when they look back and realize they did not lose $100,000 or more as a result of my commitment to clients whom I consider "friends and family" as opposed to an agent eager to close a transaction.  I have also had the honor of being called on by many fellow members in the lending community for advice as to how to structure and succeed at fulfilling the clients desires by coaching them through the infamous underwriter who of course has the ability to deny a family a home or an affordable payment.