When you?re ready to move forward with your home financing, I hope you choose me as your loan professional. I have been in the mortgage finance industry since 1983 and have spent my career structuring financing options for my clients and guiding them through the loan process. The majority of my business is referred to me by Real Estate professionals and previous customers, so I don?t have to spend a lot of time and money on advertising for new business. This enables me to pass on great pricing and customer service to you. I know that you have specific needs and I strive to meet them with a wide selection of loan products, great rates, and best of all, quality service and individual attention. I will work diligently to meet your needs so you will want to use me again as well as refer others. American Capital is another key part of my story. My partners and I founded the company in 1994 with the vision of creating a full-service home finance company that would set the example for quality products and service in the industry and develop a lifetime customer base. Now we are one of the largest independent mortgage companies in California. We are both a mortgage banker and a mortgage broker, which gives us the unique ability to customize a mortgage to meet your specific needs with a wide variety of products and financing options. With our size comes leverage and we use this to secure the best loan possible for you. Being a mortgage banker also gives us more control over the loan process, especially when it comes to closing loans quickly. I am also proud of my service team, consisting of my processor, Suzie Danpersaud, and my assistant Annika Lingman. Suzie has been in the mortgage finance industry since 1990, starting with escrow, then loan processing. She has been my loan processor since 1994. Annika is our newest member of the team, joining us in 2007 after graduating from Arizona State. Both Suzie and Annika are lifelong residents of the South Bay. I value the opportunity to work with you and structure the perfect loan for your individual situation. I look forward to hearing from you soon and the possibility that you will be my customer for life.