As a mortgage consultant since 1974, I have observed many changes in the lending industry over this period. One thing however seems to remain the same, most loan reps spend the majority of their time chasing after new business and ignoring the ones they have already worked with. They close a loan and are always out looking for their next new deal. I too spent many years doing business the same way and discovered this to be a very painful way of doing business. I was fortunate enough to discover "By Referral Only". We approach business differently…. We build our business as consultants, servicing only you, our existing clients with world class service and extraordinary care. Knowing, that as a consultant, if I dedicate most of my time, energy, and resources to clients like you, not only ensuring that all the details of your transaction are met, but that your experience of the process is a fulfilling and rewarding one, you will be delighted and eager to refer people you know to me.

Working with a "By Referral Only ®" consultant is similar to choosing a doctor who belongs to the American Medical Association. Not all doctors belong to the AMA. Only the few who want to raise their standard of excellence in their profession belong to the AMA. Just like a doctor who belongs to the AMA, I belong to my industry's AMA. I belong to a Mortgage Lenders Marketing University located in San Diego, California. My association with this University consistently and continuously raises my standard of excellence, through continuing education and accountability training, so that I am always delivering the extraordinary care I promise you. That's who I am!

Now you know the philosophy of my business. I sincerely intend to earn the right to be your "Mortgage Consultant For Life" by always superceding your expectations, knowing that at all times, YOU will be the one to determine whether or not I am accomplishing this goal.

Sincerely,