A senior member of the CNC team, I pride myself on being a straight shooter, educating customers about all things mortgage. Growing up in out state Minnesota, I believe I still retain the ability to work with all types of customers--from first time home buyers to seasoned investors. I do a lot of speaking and lectures about debt and equity management, credit scoring, and other related mortgage topics. I was honored to have been recently invited back to speak at the Financial Planning Association of Minnesota Annual Symposium. Being a long time participant in the FPA-MN and counsel to many planners, I am familiar with the sometime complexities of larger jumbo loans and the need to make a customer both informed and comfortable with the process.

I pride myself on my ability to provide counsel through throughout your time of home ownership and real estate investment.  Check out my blog for current, cutting edge info.  Better yet, send me an email request to sign up for my monthly newsletter.

Personally, I like to give back to the community. Right now, I'm the past president of my neighborhood association, vice president of my college alumni society, a board member of the Financial Planning Association of Minnesota, as well as a guest lecturer and speaker for various affordable housing, non-profit, and credit counseling entities. In addition I'm a member of the National and Minnesota Mortgage Broker Association.  CNC mortgage just had both of our state residential and commercial licenses renewed through 2010.

Related Links:

• Presidents Column (last page of each newletter) from 3 years of writing about neighborhoods, through the Standish Ericcson Neighborhood Association
  
  
• Winona State Alumni Society Website
  
  
• Financial Planning Association of Minnesota website
  
  
• My article on Volunteering as a Financial Professional giving financal advice to those in transition (August 2007, Page 8--"Listen, Stabilize, then Refer")  FPA August Newletter
  
  
• My articles on Mortgage Closing Costs and New Mortgage Legislation (August 2007) Page 10 and 11) FPA August Newsletter
  
  
• Advertisment for my presentation on Inside Mortgage, Credit Scoring, Investment presented in June 2005 to Financial Planning Association
  
  
  

  I use a combination of skills to provide my customers with the best lending solutions possible in order to secure my own business goals and insure my customers loyalty and referrals. Here is how...
  
  Networking--I partner with a number of banks in the industry. As well, I make it my business to meet a lot of people related to mortgage--accounting, different types of banking and lending, financial planning, realty, appraisal, local and federal government, and law to finding THE BEST lending solutions for my customers.
  
  Empathy--I use my skills in this area to understand what each customer is looking for, make the underwriting and loan approval process as easy as possible, and provide useful information to bring customers to the next level of understanding about what they are trying to achieve in real estate.
  
  Writing--I use my english education and constant writing in periodicals, newsletters, blogs, and guest speaking appearances to further my information capacity and provide useful real estate education to my customers and related professional referral sources.
  
  Technology--I keep up to date on web site maintainance, search engine optimization, lending sites, communication options, and mortgage rate change alerts to be ahead of my competition.
  
  Values--I incorporate my values throughout my life and career to constantly deliver mortgages that fit my customers lifestyles and financial planning goals. I will not recommend a lending choice that I wouldn't do for my own portfolio.
  
  Continuing Education--I strive to comply with the legal requirements of my industry and go beyond these by subscribing to a number of publications and participating on related professions' boards and committees.

  Specialties:

  High end borrowers, large loans, making mortgage a tool to complement a customers overall financial plan, boutique lending--construction, large acreage, commercial properties, investors/rental properties, identifying with young borrowers/first time home buyers and those customers looking to work with one person instead of a large institution.