I opened Allegiance Mortgages in the mid-90's which was very successful.  During COVID I became a loan officer for a large company which downsized during the times of high interest rates of exorbitant home prices.  During that time, I opened Sterling Home Mortgages.  I've enjoyed helping so many people.  What I find most rewarding is 1st time home buyers, those who never thought they would own a home soon, but just called me with some questions.   Being a part in helping change those families lives and seeing the pride they have as sudden and unexpected 1st time homeowner is truly rewarding.   Also, my day is brightened by helping others who called me stressed out over bills, in a final act of desperation, after being told by others they could not be helped or could not obtain a reasonable rate...I can be pretty creative.  I've often helped people figure out how to meet downpayment requirements or get a quick boost to their credit score to earn a better rate.  

I enjoy helping self employed borrowers and investors find ways to be approved for loans.  While no-doc loans are not permitted in PA, limited doc loans are.

In contrast to the helping hand I personally enjoy providing to those who are a little lost, most of our customers are  repeat clients and referrals.  They are looking for low rates and someone who has been in business for a long time and can handle their loan easily. 

I have Finance background, BA Magna Cum Laude.  I'm also one of a handful of Certified Residential Mortgage Specialists in PA (CRMS), and was one of the 1st.

When customers call me from years ago, I remember their voice, their spouses name, I really connect with them and love my job. 

Rates