Mortgage Consultant: originating residential loans 1-4 units, FHA, VA, USDA, Conventional and Non-Conventional financing. I have a strong passion for Real Estate, especially when it comes to supporting and helping build the business of my referral partners. I enjoy working with and educating the first time buyer, as much as planning / strategizing creative financing for the more experienced real estate investor. I'm a transplant from the Bay Area, moving up into the Sacramento area in 2002 with my of my lovely wife, Wendy. Our family now consists of our daughter Morgan, two horses, two dogs, a cat and a pond full of fish. You can say we are very passionate for animals. In my spare time I enj