I am retired from the Air Force Reserves and flew T-38's and KC-10's in the active duty and KC-135's in the Reserves. I am the owner and sole employee of Positive Rate Mortgage and can originate VA, Conventional, Jumbo, Purchase, Construction, Non QM cashout and refinance loans.

My mission is to serve my customers with honesty, integrity and competence. My goal is to provide extremely competitive VA, Conventional, Construction, Jumbo and NON QM home loans to my clients. Furthermore, I pledge to help borrowers overcome roadblocks that can arise while securing a loan.

I have been in the mortgage origination business since 1998 and licensed since 2003. I have performed well over 3,000 mortgages and like my tag line states - I pride myself on providing great advice, great rates and great service. I am a mortgage broker and sole owner and employee of Positive Rate Mortgage, LLC. As a result, you will have one email and one phone number to call or text at any time, including nights and weekends.

Many mortgage companies have high cost structures (big fancy offices, receptionists, processors, branch managers, etc.) coupled with salaries and benefits for all employees and are paid for - indirectly by you - through a higher rate. Since I am the only employee, I keep my cost structure low and pass along the savings to you. The result is a considerable savings on every loan.

I would greatly appreciate the opportunity to be of service to you and your family so please feel free to call, email or text anytime to get started.

Licensed to work in: AZ, California (CA-DBO9812), Colorado (100024039), Connecticut (LO-9812), Florida (LO34773), Georgia (50813), Minnesota (MN-MLO-9812), New Hampshire (9812), North Carolina (I-114865), South Carolina, Tennessee (151195), Texas, Virginia(MLO-51VA), West Virginia (LO-36929), DC, OH, PA, MS, IN, MI, KS, DE, MD, LA, UT, AK, AR, AL, ID, OR, OK, WI, MT,

Licensed in AZ, AK, AR, AL, CA, CO, CT, DC, DE, FL,GA, IN, ID, KS, LA, MD, MI, MN, MS, MT, NC, NH, OH, OK, OR, PA, SC, TN, TX, UT, VA, WI, WV, and pending MA

FOR TEXAS CONSUMERS - CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."

I am retired from the Air Force Reserves and flew T-38's and KC-10's in the active duty and KC-135's in the Reserves. I am the owner and sole employee of Positive Rate Mortgage and can originate VA, Conventional, Jumbo, Purchase, Construction, Non QM cashout and refinance loans.

Licensed in AZ, AK, AR, AL, CA, CO, CT, DC, DE, FL,GA, IN, ID, KS, LA, MD, MI, MN, MS, MT, NC, NH, OH, OK, OR, PA, SC, TN, TX, UT, VA, WI, WV, and pending MA

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