|Mortgage and Lending||
|location_on Panama City Beach, FL — Regions Mortgage|
|web Mortgage and Real Estate Insight|
I began my career in 1993 as a loan officer for an FHA and VA lender in Birmingham Alabama. As a top producer from the outset, I was recruited to form a real estate owned mortgage company in 1995 and over the next ten years grew it into one of the top five non-bank mortgage companies in the state of Alabama managing eighteen loan officers and annual closed loan volume in excess of $200 million.
I have served on several national mortgage advisory committees and consulted mortgage companies and banks on both the local and national levels. I have served as a pre-licensing and continuing education instructor for the Alabama Real Estate Commission and made regular presentations to the Realty Alliance national real estate organization as well as Homeservices of America, the nation's second largest real estate company. I have also been an active member of both the Alabama Mortgage Bankers of America and Florida Mortgage Brokers Associations. I am also an active affiliate member of the Bay County Board of Realtors having served on the Communications, Leadership, and Career Development committees and was a winner of the 2009 Affiliate of the Year. I hold a bachelor's degree from the University of Alabama at Birmingham in history and dual minors in both finance with a real estate concentration, and business administration.
Since moving to Panama City Beach in 2004, I have worked for local community banks as well as a national mortgage wholesaler and am currently a mortgage loan originator with Regions Bank.
With twenty ears of real estate finance experience, I possess a vast knowledge of F.H.A., V.A. and Conventional financing as well as Non-Conforming and Rural Development loans. I am an expert on condominium, condominium-hotels, short-sales and bank-owned forecclosures. I have a wealth of experience in dealing with investors and self-employed borrowers as well as years of experience in new construction and construction to permanent financing. I am a career mortgage banker and with the critical knowledge and expertise necessary in today's mortgage environment.
With twenty years of mortgage and real estate experience, I have the knowledge and expertise to help home buyers and Realtors navigate the rapidly changing landscape of real estate finance.