Purchase, Refinance, New Construction, Home Equity Line, Second Mortgage, Residential, Investment, Second Home, Fixed Rate, Adjustable Rate, Convertible Rate, Interest Only, Conventional, FHA-Loan, VA-Loan, Reverse, Special Govt Program, Conforming, Non-conforming, Low Down Payment, No Down (100%), Over 100%, Low Documents, No Documents, Self Employed, Credit Challenges, Bankruptcy, No Credit

ATTENTION RATE SHOPPERS: PLEASE CONTACT ME VIA EMAIL OR TELEPHONE IF YOU WOULD LIKE A GOOD FAITH ESTIMATE AND TRUTH IN LENDING DISCLOSURE EMAILED TO YOU. ALL FEES ARE DISCLOSED UPFRONT, NO SURPRISES! MY VERY BEST PROPOSAL WILL BE EMAILED TO YOU. IN ORDER FOR ME TO GIVE YOU MY BEST OFFER INITIALLY YOU WILL NEED TO PROVIDE ME WITH THE FOLLOWING INFO: 1)SALES PRICE OR ESTIMATED HOME VALUE IF A REFINANCE; 2) DESIRED MORTGAGE AMOUNT; 3) IF A PURCHASE, AMOUNT OF EARNEST MONEY DEPOSIT & AMOUNT OF CLOSING COSTS BEING PAID BY THE SELLER, IF ANY; 4)IF A REFINANCE, APROX. PAYOFF AMOUNTS ON ALL LEINS; 5) DESIRED LOAN PROGRAM(S)AND 5) DESIRED CLOSING DATE. IF YOU WOULD LIKE TO LOCK-IN YOUR RATE, POINTS AND OR FEES, PLEASE CONTACT ME ASAP AS THE BOND/TREASURY MARKETS ARE VERY VOLATILE.

I have been in the mortgage business for almost 20 years now; it's funny how time goes by so quickly when you love what you do for a living! I am a professional mortgage advisor / loan officer, very passionate about what I do for a living and I take a great deal of pride in providing my clients with exceptional service blended with the best rates and fees available in the mortgage industry.

I have been a top Loan Officer in the greater Atlanta area for well over 15 years now and I have been very fortunate over the years to make a great living doing something that I am truly very passionate about. I truly do enjoy assisting people with one of the largest financial decisions of their lives! The passion I have is reflected in how I conduct myself which you will soon learn.

I am a Loan Officer for Capital Mortgage Services, Inc. based in the North Metro Atlanta area. We are licensed in the states of Georgia, Florida, North Carolina, South Carolina and Alabama. We are members of the the Better Business Bureau and various Associations of bankers, brokers, Realtor associations and various Chambers of Commerce.

My philosophy is a simple one: Give the customer a great rate, low closing costs, be more than available for them, be respectful, professional and courteous. In short, give my clients and future clients a "WOW" experience! If you do these things, you have not just created a customer but a customer for LIFE and perhaps a friend.

On a personal note, I am married to my wife, Christie, and we live in S. Forsyth county. We do not have any children at this time but are hoping to in the near future. We do however have a male Alaskan Malamute, Blizzard; a female Alaskan Malamute, Nakita and an Orange Tabby named Kitty. We enjoy using our pool, playing tennis, shooting darts, shooting pool, and spending quality time together when we have the opportunity. Life is pretty hechtic as we are both in the mortgage industry...

Capital Mortgage Services, Inc. is an Equal Housing Lender. Rates and points are subject to change without notice. Once locked, you will receive an email confirmation from me regarding the terms that we have agreed to. Loan application must be completed within 24 hours and all paperwork must be submitted to me within 72 hours. Locks will be canceled if this is not adhered to.