I began in the mortgage industry in 1980 after graduating from the University of Cincinnati's college of business.  I earned a bachelor's degree in Finance along with a certificate in Economics while graduating cum laude.  I also met my wife while attending UC. Our daughter lives in Tucson Arizona with her husband and our two granddaughters.

My entire career has been in Cincinnati and I have worked with thousands of customers over the years.  I take great pride in helping people navigate through the mortgage loan process and make sure that I understand each person's individual situation. 

By understanding my customers, I am best able to guide them so that they make the best decisions for their financial success.  Whether they are buying a home or refinancing their existing mortgage loan, my goal is to provide my customers with the information and choices that they need while always placing their best interests first and foremost.