I have been a mortgage loan consultant for over 33 years in the San Jose / San Francisco Bay Area. I make the process of getting a mortgage as simple and pleasant as possible. The ability to make a good decision is based getting good information. I strive to make sure my clients are well informed and have all the information they need to make that decision. In recent years I have helped clients with a variety of "value added" services such as, credit counseling and repair, money management/budgeting, and information about real estate investing. I have lived in the bay area for the past 38 years. I can do residential mortgages (1 to 4 units). Fixed rate and adjustable rate mortgages. I also do reverse mortgages for seniors, 62 years old and older.