If this is your first visit to this website hello! If you are a returning client welcome back! There are many choices that buyers, sellers, tenants, investors, families, owners and people all have to make in any market but one of the easiest choices you can make is to pick me and my team to be your advisor whether it is for Real Estate, Mortgages, Property, Health or Life Insurance needs, Annuities management, & or retirement and college planning services. On behalf of myself and of course my team welcome to this site, we are glad you are here and are all very proud to work for you. Please also let us know if and how we can improve our services for you.

One special feature and new service my team now offers for clients is residential and commercial lending, I am a mortgage consultant with L&G Mortgage Bank. FHA, VA & conventional money is available to you! We can do loans for you into the millions residentially or commercially and save you thousands of dollars in the process. Be sure to ask me about available new loan programs and what my free 15 minute credit OR mortgage analysis can do for you. Did I mention it is a free and does not effect or lower your credit score?! Before you commit to any loan program for a new or resale purchase or just a refinance to a new lower rate, shop it thru me! You get a free credit report every year; do you know how to use it for your benefit and not the credit reporters? They all report at different times of the year and if you pull them at the wrong time you could and most likely will be missing the latest information. I can help give you the road-map to credit repair for life! Please feel free to call my office to ask any questions you may have.

I have more Exciting new services now available to all clients. I now provide Individual or group, business & personal life and health insurance coverage, college planning, retirement services, annuity accounts & estate planning services. These new services are from the powerhouse players in the industry such as United Health-care aka: Banner Health, Assurant Health, Starmark, Significa, Blue Cross Blue Shield, the money management providers available are ING Financial, AVIVA &World Reserve Life.

Do you know what an HSA account can do for your family, did you know as a family you could deposit up to $5800 tax deferred dollars per year to your account that you manage? You can use it for medical expenses or anything you want, (non-medical purchases carry a ten percent surrender penalty and are subject to income taxation.) Are you paying too much for medical insurance or have none at all? In ten minutes or less you can get a quote and find out.

I work with a company that can plan your child's college choices , your retirement and the way to get you there; did I mention they would fill out your FAFSA (Free Application for Federal Student Aid) forms for free? They can plan every step including identifying colleges best suited to match you and your child's needs but also capabilities. Should they go Ivy, State or Private? Will they be able to afford it, will you? Want to be sure, just call or write my office or ask me next time you see me if you want more information.

Lastly the greatest compliment I get is when I get a phone call or an E-mail from that someone in your work or in your family, or that you met in your daily walk of life that you knew I could help and sent them my way. To you I say a very special Thank You and I hope to see you all in the very near future. Take Care!