Oct 2022 – Present · 3 yrs 8 mos · Scottsdale, Arizona, United States · Remote

• A precious metals broker with the best prices and best quality, who can help you with all your precious metal needs from rolling over IRA's to setting up a solo 401k to holding physical precious metals, I can help. Using precious metals to diversify your portfolio is a great way to protect and preserve what you don't want to lose all while be tax deferred. www.electrumgold.net

Jul 2022 – Oct 2022 · 3 mos · 645 E Missouri Ave, Suite 290 Phoenix, AZ 85012

• As a leading dealer of precious metals in the United States, I am committed to helping you discover how gold, silver and other precious metals can help protect your lifestyles in the face of current and coming economic instabilities. This commitment is one of numerous factors that separates me from other precious metals dealers and enables me to consistently help people like you achieve your goals. My competitive prices and excellent exit strategy are a proven way to protect any asset and preserve your money for the future.
• I have also been in the Mortgage business for over 26yrs and have helped thousands of families achieve the American dream of home ownership. As a mortgage broker I work with over 30 different lenders to ensure you get the best rate at the lowest cost. So if you are looking for an honest, trustworthy and dependable loan officer to close your loan with accuracy all while delivering the best rate at the lowest cost. Then look not further. A mortgage is not a flip of the coin.

Jun 2019 – Present · 7 yrs · Scottsdale, Arizona

• Welcome to Electrum Financial, your trusted partner in securing the key to your dream home! With over 30 years of unwavering expertise in the mortgage industry, we take pride in being Scottsdale, Arizona's premier residential mortgage broker.
• At Electrum Financial, we understand that every homeowner's journey is unique, and that's why we offer a diverse range of mortgage products tailored to fit every budget and price point. Our team of seasoned professionals is committed to providing personalized service, ensuring you find the perfect financing solution for your individual needs.
• What sets us apart is our deep-rooted commitment to transparency and integrity. We believe in empowering our clients with knowledge, guiding them through the intricacies of the mortgage process with clarity and ease. With a wealth of experience, we navigate the ever-changing landscape of the mortgage market to offer you the most competitive rates and terms available.
• Whether you're a first-time homebuyer or a seasoned investor, Electrum Financial is here to streamline the mortgage experience for you. Our comprehensive suite of mortgage products includes traditional fixed-rate and adjustable-rate mortgages, FHA loans, VA loans, and more. We pride ourselves on being a one-stop solution for all your residential mortgage needs.
• Choosing Electrum Financial means choosing a partner dedicated to your financial success. We prioritize open communication, ensuring you are informed and confident at every step of the home financing journey. Our reputation for excellence is built on the foundation of trust we establish with our clients.
• Discover the difference of working with a residential mortgage broker that combines decades of experience with a commitment to your financial well-being. Electrum Financial – Lighting the path to your home ownership dreams in Scottsdale, Arizona.

May 2018 – Jun 2019 · 1 yr 1 mo · Phoenix, Arizona Area

• I help people like YOU get the financing they need to purchase a home in Arizona while providing the best rates, lowest fees and best service in the industry. Reach out to me today and compare to see for yourself if you are getting the best loan for your needs.
• For all the Realtors who are connected with me here on LinkedIn. If having the best rates, multiple loan programs with the lowest fees is important to you and your clients then I would like to speak to you. With my years of experience and knowledge there is not a scenario I have not seen or worked through. I pride myself on giving you and your clients the best service with the lowest rates and lowest fees available.
• Co. NMLS #19254
• MB0902107

Sep 2017 – Apr 2018 · 7 mos · 2198 E Camelback Rd #380 Phoenix AZ 85016

• Welcome and thank you for visiting my Linkedin page! My team is committed to helping you and your referrals with mortgage financing that fits your specific situation. LoanStar is a retail mortgage bank with over 30 lender relationships – not just one like a commercial bank – to help get you the right loan, at the right rate, with the right terms!
• My mission is to deliver the ultimate home loan experience to every customer, every time! Thank you for the opportunity to help you with your mortgage needs.
• We are expanding in Arizona and looking for licensed MLO's. If you are considering making a move i would love the opportunity to tell you all about what LoanStar has to offer.

Feb 2017 – Aug 2017 · 6 mos · Greater Phoenix Area

Dec 2014 – Feb 2017 · 2 yrs 2 mos · Greater Phoenix Area

Sep 2014 – Jun 2019 · 4 yrs 9 mos · Greater Phoenix Area

• A Real Estate Podcast for the Consumer all in an effort to help better educate the consumer about the local Real estate market in the Phoenix Arizona market.

Mar 2013 – Dec 2014 · 1 yr 9 mos · 3100 W Ray Rd Ste 130 Chandler AZ 85226

• Work with new and current referral partners to help home buyer and home owners obtain financing for the purchase or refinance of their home. I offer many different programs to help home buyers and current home owners. Whether you are looking to refinance or to purchase a home my team and I are here to make your experience a great one. Below are just some of the things that I offer.
• I do not have a waiting period for a buyer after a short sale provided the buyer meets the Fannie/Freddie HUD min requirements!
• 1) Escrow hold backs not problem
• 2) 620 fico to 95%
• 3) Ability to do credit repair
• 4) Can close a loan in 7 days!
• 5) Ability to portfolio loans as needed
• 6) Can close on an unfinished home
• 7) Homepath financing
• 8) 203k and 203k Streamline loans
• 9) USDA loans with high DTI
• 10) 580 FICO FHA Available
• 11) 90 day Flips, No problem on any product. Greater than 20% increase, no problem
• 12) FHA Financing to 57.49% DTI
• 13) Escrow hold back for pools on New Construction no Problem!
• 14) Up to 95% Financing with NO mortgage Insurance
• 15) 90% 2nd home Conventional Financing down to a 620 FICO
• 16) In house credit analysis for your buyers at no cost to them
• 17) Jumbo/non Conforming loans with ability to portfolio loans
• 18) Construction Loans
• 19) Home in 5 Down Payment Assistance
• I will put my service up against anyone. I have the ability to fix credit which can help your buyers qualify or even get better terms and rate. If the loan makes sense then we will close it. It is that simple. We do not have warehouse line restrictions.
• In house underwriting and Funding! We even service our own loans! I can close a loan in a week as well. I have closed 3 loans that other lenders couldn't get done because of their overlays!
• The best service in the Valley! My team and I are dedicated to your success. You will not be disappointed with our service level nor will your clients. I understand that performing on what I say means something.

May 2011 – Mar 2013 · 1 yr 10 mos

• Work with new and current referral partners to help home buyer and home owners obtain finacing for the purchase or refinance of their home. We offer many different programs to help home buyers and current home owners. We are a direct Ginnie Mae seller service provider with no overlays! This gives us a huge competitive edge over the competition. We underwrite to the 4155 handbook with no overlays! Below are some examples of what we do.
• 1) No FICO required for FHA
• 2) Escrow hold backs not problem
• 3) 10 financed properties not problem
• 4) If it fits the 4155 then I close it! No overlays what so ever!
• 5) Reverse Mortgage purchase
• 6) 620 fico to 95%
• 7) Ability to portfolio loans as needed
• 8) Can close on an unfinished home
• 9) Homepath financing
• 10) 203k and 203k Streamline loans
• 11) USDA loans with high DTI
• 12) 580 FICO FHA Available
• 13) 90 day Flips, No problem on any product. Greater than 20% increase, no problem
• 14) FHA Financing to 57.49% DTI
• 15) 97% Conventional Financing down to a 680 FICO
• 16) Up to 95% Financing with NO mortgage Insurance
• 17) 90% 2nd home Conventional Financing down to a 620 FICO
• 18) In house credit analysis for your buyers at no cost to them
• 19) Reverse Mortages for purchase and refinance
• 20) Multi Family & Healthcare loans
• 21) Jumbo/non Conforming loans with ability to portfolio loans

Dec 2010 – May 2011 · 5 mos

• Maintain the relationships I have through builders and real estate agents
• Work on Home Path loans through GMAC Mortgage
• I am the exclusive lender for all GMAC REO Properties
• Manage a pipeline of 2 million
• Manage the process of a loan closing from start to finish
• Public speaking on continuing education for realtors
• Educate Realtors on how to market themselves through social medai and how to market their listings to get them on the 1st page of Google!
• One of 1st 50 Loan Officers to be licensed in the State of Arizona
• Market myself to form new relationships for additional business
• Educating myself on the continuing changes in the mortgage industry
• Manage several processors to ensure the file closes on time and in compliance
• Review the market daily to anticipate any changes that could affect my client
• Multi task different files with different goals with different people

May 2009 – Dec 2010 · 1 yr 7 mos

• Maintain the relationships I have through builders and real estate agents
• Manage the process of a loan closing from start to finish
• Public speaking on continuing education for realtors
• Educate Realtors on how to market themselves through social media and how to market their listings to get them on the 1st page of Google!
• One of 1st 50 Loan Officers to be licensed in the State of Arizona
• Market myself to form new relationships for additional business
• Educating myself on the continuing changes in the mortgage industry
• Manage several processors to ensure the file closes on time and in compliance
• Review the market daily to anticipate any changes that could affect my client
• Multi task different files with different goals with different people

May 2008 – May 2009 · 1 yr

• Vice President and was loan officer of the year 2008
• Market myself to form relationships with builders, realtors, financial planners, and referral partners
• Maintain those relationships through meeting and updates that relate to the industry
• Over see the loan process from start to finish
• Work with my processor to meet dead lines and set expectations
• Insure that the file meets all state and federal regulations
• Communicate with the client the progress of the transaction
• Coordinate with appraisers, title companies, and lenders to meet deadlines
• Constantly monitor market conditions to insure best possible deal for my client
• Top producer

May 2007 – May 2008 · 1 yr

• Worked with upper Management to secure that I was the preferred Lender for Richmond American Homes
• Market myself to form relationships with builders, realtors, financial planners, and referral partners
• Maintain those relationships through meeting and updates that relate to the industry
• Over see the loan process from start to finish
• Work with my processor to meet dead lines and set expectations
• Insure that the file meets all state and federal regulations
• Communicate with the client the progress of the transaction
• Coordinate with appraisers, title companies, and lenders to meet deadlines
• Constantly monitor market conditions to insure best possible deal for my client
• Top producer

Jan 2003 – Jan 2004 · 1 yr

• Educated homeowners and buyers are their options for financing a home.

Sep 2000 – Jun 2005 · 4 yrs 9 mos

• While managing my data base I was also responsible for managing the over all operations of the branch. This included the production and support of the loan officers attached to that branch.

Jan 1997 – Jan 2000 · 3 yrs

• Managed loan officers to motivate them to accomplish goals they didn't think where possible. Responsible for every loan that was originated by the loan officers on my team. Was the number 1 Unit manager for the Loan Origination Center for the West coast.

Jan 1994 – Jan 1997 · 3 yrs

Jan 1988 – Jan 1993 · 5 yrs

• I was a structural and hydraulic mechanic for the AV-8B Harrier jump jets. Sea Service deployment ribbon w/2 stars, 2 meritorious masts, national defense service medal, southwest Asia service medal w / 3 stars, letter of commendation, navy unit commendation, letter of appreciation, good conduct medal, joint meritorious unit award, Kuwait liberation medal, rifle sharpshooter badge.