My background is insurance, financial planning and banking with a focus just in mortgage financing for the last 10+ years. My business is 100% referral based - if I don't keep my realtors and clients happy - I go out of business. Outside of work I enjoy the culinary arts and dinning out, spending time with my wife and family and some good music or a movie. I am a Arizona native and enjoy the refreshing Fall, Winter and Spring - but we pay for that with Summer!