Prior to entering the mortgage business, I was a Vice President/Director, for 34 years, of a large national company, which we grew to over 1300 stores in the United States, Puerto Rico and the US Virgin Islands. During much of that time, I was responsible for leading the Real Estate Department. I gained extensive knowledge in all aspects of Real Estate, including leasing, purchasing, construction and finance. Commercial financing gave me deep incite into structuring mortgages, in a way to be most advantageous for the Borrower . I use these skills now, in structuring Residential Mortgages, for my clients, to best fit their needs. I look forward to assisting each client, every day.