About Us

What I do is help people who are looking to buy, sell or refinance residential real estate using a traditional or a reverse mortgage (1-4 units) and are concerned about paying interest that they could otherwise be investing.

How do I do that? I work with my clients to help them analyze and determine the most efficient way to borrow so that they can reduce their total cost of borrowing and help them direct more of their money to savings and investments. I use our cutting edge Borrow Smart Analysis Tool to bring to life these savings and help my clients choose the best path to take with a Mortgage or even without a mortgage.

Specialties: Certified Liability Advisor, Helping Veterans and Active Duty Military with their mortgage needs, First Time Home Buyers and their mortgage needs, and analyzing my clients cost of borrowing. Also, I use a proprietary spreadsheet for those wanting to quantify a residential real estate purchase they will use for investment purposes.

I also teach classes on Database Management, Investment Property Analysis and First Time Home Buying and the effect a mortgage can have on their wealth. My Investment Property Analysis Class in now CE Approved by the California Bureau of Real Estate!

I have a passion for endurance sports and have completed 14 Ironmans to date.

As a mortgage planner and partner of Dan Williams for the last 15 years, my team and I assist home owners with the management of the liability side of their balance sheet. This literally means that we take a comprehensive view of all the client's debts and seek to optimize how they are structured in order to enhance their ability create and preserve investable assets, fund the appropriate insurance policies, structure their estate, and implement their tax plan; we can even structure a mortgage to assist a client with funding their child's college education.

Due to my 30+ years of service in the Marine Corps Reserve, one of my areas of specialization is working with veterans. Another area of specialization is inheritance buy-outs (one heir wants the real estate and the other wants cash).

My ideal client is someone who is seeking advice, because, consciously or unconsciously, they recognize that a mortgage is more than just a loan. For most families it is their single largest expense and, properly employed, will help them to save more for retirement, pay less in taxes, manage their cash flow, and reduce their financial stress.