Over the years, my client conversation has changed from taking a loan application to helping clients make SMART mortgage decisions that help create future financial security. The borrow smart, repay smart conversation covers seven steps by providing education on liability management, down payment discussions, and creating suitable financing solutions to create life-changing “AHA” moments. We work hard to ensure that you have a positive, simple home loan experience, whether you are a first-time homebuyer, a move-up buyer, or refinancing your current loan. NMLS ID #227846 | Company NMLS ID #117990 (www.nmlsconsumeraccess.org) – Equal Housing Opportunity