I’ve lived in the Bay Area for 25 years and have worked as a mortgage broker and banker for the past 12 years. I graduated with both an M.B.A. and B.A. in Finance from George Washington University.
I began my career working as an institutional investment consultant to large pension plans. Later, I lived and worked in Taiwan coordinating production and international distribution for a nationally known mountain bike brand. Later, during the first dotcom boom, I worked in technology. Initially, I directed operations for an e-commerce startup and then moved on to consulting with startups to help them build their own e-commerce systems.
My background in finance allows me to clearly explain how mortgages work and how borrowing to purchase a home fits into your’ overall financial picture. As a homeowner and property investor, I’m able to offer you a perspective on mortgages and home ownership based on personal experience.
In addition to offering conventional financing, I am also a TIC (tenancy in common) expert and a recognized source for financing and information about this uniquely San Francisco form of ownership. My expertise in TIC’s was earned through personal experience. In 1999 I became a one-third owner of a TIC in San Francisco. I lived there for several years and then sold my unit after my partners and I converted the property to condominiums. After selling my condominium in San Francisco I moved to Mill Valley, where I now live with my wife Jane and son Miller.
My goal is to structure a deal that fits your unique situation. To do so I pay close attention to your current financial situation as well as your long-term financial goals. I then oversee all of the financing details. For a purchase, this means you and your real estate agent can focus on the other important elements of buying a home. For a refinance, it means you can rely on me to do everything possible to ensure your loan closes on time and without a hitch.
As a homeowner I take pride in my community. I am a past Board member and active participant in SF Moderates (formerly Plan C), a local organization that strives to improve the quality of life for all San Francisco residents. During free time, I ski, swim, and bike with my family and stay actively involved in my son’s Mill Valley elementary school.