I know that choosing your dream home is an important and sometimes difficult decision to make. Choosing financing doesn’t need be.
Let me be your “Go To” guy for everything you need to know about financing. If I don’t have the answer, I will find it for you.
I offer a wide variety of products and services and will guide you through the process in helping to obtain the right mortgage for you.
I am a National and Florida Licensed Mortgage Loan Originator and Branch Manager with EquitiFirst Mortgage. I have been in the lending industry in Orlando since 2003. As a Licensed Mortgage Broker, I am able to originate all types of mortgages including Traditional lending FHA, VA, USDA, and Conventional. I also offer Non-Traditional lending with Foreign Nationals, Non-Warranted Condos, CondoTels and Resort Properties, Alternative Lending and Reverse Mortgages for Seniors.
Born at Ft. Bragg, North Carolina to an Army officer family, I lived and attended schools from Hawaii to Europe. After graduating from High School in Savannah, Georgia, I received my B.A. from the University of Miami in Psychology and Sociology.
After spending over 20 years in the restaurant and nightclub industry in management as Regional Vice President and President, I started and owned an import/export/wholesale business for ten years. My exclusive lines included handicrafts and gifts and also launched a surf apparel line and an interactive web site with a retail division.
Groups I belong to: Dr. Phillips Rotary Club Citrus, Speakers Bureau/Orlando Regional Realtor Association
Associations: Give Kids the World, A Gift for Teaching
Is a Reverse Mortgage Right for you?
A reverse mortgage is formally known as a Home Equity Conversion Mortgage (HECM). It turns a percentage of the equity in your home into tax-free monthly income or lump-sum cash. No mortgage payment is ever required for as long as you live in your home.
To be eligible for a reverse mortgage, the qualifying borrower must be at least 62 years of age and live in the home as his or her primary residence.
Reverse mortgages are totally safe. It is impossible to fall behind on payments because there are none to make. You retain title and deed along with all homeowner rights and privileges. The lender or government does not take title. Also, reverse mortgages are “non-recourse” loans, so no debt can ever pass to your heirs. Can a person ever lose their home?
Certainly not because of a reverse mortgage. It is impossible to default because there are no payments to make. The home must be the borrower’s primary residence. Like any traditional mortgage, you must keep home insurance and taxes current.
Yes! The HECM for Purchase is a Federal Housing Administration (FHA) insured home loan that allows seniors to buy their next primary home with a reverse mortgage in one seamless transaction.
- AARP and the American Bar Association support the concept.
- The loan is FHA insured.
- NO income taxes on the proceeds.
- You can sell and move any time.
- No restriction on how you spend your money
- Buy the things you need or want without having to make a monthly payment.
- Pay off a burdensome present mortgage.
- Make home improvements or room additions.
- Set up college funds for grandchildren.
- Fulfill lifelong travel dreams.
What people are saying
“Thank you so much for going above and beyond for us during our home buying process! We are so grateful for all your effort and expertise. We love our new home.”
K & J
“Thank you for taking time away from work to meet me and educate me on how you, your company, and the loan proves for a variety types of loan works. It was a pleasure meeting you and I can ever assist you in any way, give me a call.
Mortgage Loan Originator
7575 Dr. Phillips Blvd., Suite 245
Orlando, FL 32819
407.370.369• eFax: 888.316.6797
Licensed by the
of Financial Regulation
How can I help you?