What sets me apart from other loan officers is that I truly care.  I want you to be in a home with a house payment you can afford.  I take the time to explain the various programs, pros and cons.  I will go through your credit report with you, explaining some of the reasons for your scores.  All  questions will be answered.  Evening appointments are welcome, and I will come to your home or place of business - where you are most comfortable.  My goal is to make the process as painless as possible.