Committed to being your mortgage broker for life!

Steve Now

NMLS# 315091

Customers first

Borrowers who are happy with the mortgage loans we helped them get are more important to us than anything else. Our goal is to make your loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business for life. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy all of your loan needs. By putting you first, we assure you a pleasurable transaction.

Get fast answers

On our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we’ll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

  • Enthusiasm working for you
    Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.
  • Established Credibility
    I have over 18 years of experience and knowledge working in the mortgage and real estate industry. I can say with confidence that I’ll get the job done right at a great price.
Mortgage News Daily

MBS RECAP: Either A Great Head-Fake Or The Beginning Of A Shift – 6 hours ago
Posted To: MBS CommentaryMBS Live : MBS Afternoon Market Summary Bond markets were increasingly punished during the late overnight session as Europe essentially sent “risk-on” after EU Benchmarks paused to consider recent highs in the mid 1.43% range. They bounced hard around 1.40% just after 6am, pulling US Treasuries up with them although them. Treasuries resisted the move surprisingly well considering the looming 10yr Auction tomorrow as well as as a heavy cycle of corporate bond issuance (investors in corporate debt occasionally sell Treasuries to hedge/lock their rate of return on the corporate issuance). Despite that qualitative assessment, the technical landscape is at risk as both Treasuries and MBS are arguably testing breakouts of intermediate ranges. We’d previously noted 1.60% as a line in the sand for…(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.

HARP Refinancing Continues to Surge, High LTV Share Skyrockets – 6 hours ago
Posted To: MND NewsWireRefinancing through the revised Home Affordable Refinancing Program (HARP 2.0) grew to a 33 percent share of all Fannie Mae and Freddie Mac refinancing in June, surging from the 20 percent share the program posted in April. The proportion of those refinancings with very high loan to value (LTV) ratios also increased significantly. It appears that the changes made to the HARP program , removing the 125 percent LTV ceiling, reducing and/or eliminating some fees, and easing lender risk, have worked . The program revisions were announced last fall but did not really begin to roll out until early this year. During June Freddie and Fannie refinanced a total of 382,539 loans. HARP refinancings for the month numbered 125,866. While the HARP loans were fairly evenly divided between the two government…(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.

Senior Loan Officer Survey Examines Views on HARP 2.0 – 7 hours ago
Posted To: MND NewsWireResults of the Federal Reserve’s July Senior Loan Officer Opinion Survey on Bank Lending Practices were released on Tuesday. The survey, in which 64 domestic banks or subsidiaries and 23 U.S. branches of foreign banks participated, addressed changes in the supply of, and demand for bank loans to businesses and households over the past three months. Respondents are categorized as small banks (annual sales under $50 million), or large ones with sales over that amount. Loan officers were asked to gauge whether lending standards had strengthened, eased, or stayed the same for each major category of lending; commercial and industrial, commercial real estate, and household lending, and to also estimate changes in demand for those loans. Of the three special questions that the Fed includes in each…(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.

Mortgage Rates Rise In Line With Highest Recent Levels – 7 hours ago
Posted To: Mortgage Rate WatchMortgage Rates resumed last week’s pattern of volatility moving to meet their highest levels in roughly a month. At this point, some lenders have entered transitional territory between the prevailing Best-Execution rate of 3.5% and the next notch higher at 3.625%. Most lenders offer rates in 0.125% increments with variations in costs between them. Until today, costs hadn’t changed enough to move the average rate to the next rung on the ladder, and even today that process is only just beginning. (Read More: What is A Best-Execution Mortgage Rate? ) Whether or not rates continue to shift enough for the bulk of lenders to move up to that next rung on the ladder is more of a concern today than it recently has been. We’ve been locked in a low, sideways rate environment, and relatively comfortable…(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.

MetLife Penalized $3.2M for Servicer’s Infractions – 10 hours ago
Posted To: MND NewsWireMetLife, Inc. has agreed to pay $3.2 million to the Federal Reserve as a monetary sanction for failing to adequately oversee operations of its subsidiary mortgage loan servicing unit’s foreclosure processing . The Fed charged these oversight deficiencies represented unsafe and unsound practices and ordered corrective measures in a formal enforcement action in April 2011. In a press release from the Board of Governors the Fed said that the monetary sanctions take into account the maximum statutory limits for unsafe and unsound practices , the comparative severity of MetLife’s misconduct and size of its foreclosure activities and were similar to those levied in sanctions against five other servicing organizations. The earlier actions, popularly known at the $25 billion servicer settlement, required…(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.

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