9 years experience in Residential and Commercial Real Estate financing. 19 years experience as a Residential Realestate investor. Expert in all forms of Residential financing including. FHA, VA, Conforming Conventionla, Jumbo, USDA Rural, and various Private and Hard money lending options. Expert in all the First Time Home Buyer programs and down payment assistance. 5 years experience with Real Estate investor financing, using "creative" financing techniques. My goals are to take hold of all the opportuinities this new Real Estate market is providing and get as many First Time Homebuyers into a new home, and to help those wanting to be real estate investors, make their fortune while the prices are still low.