I was born in Brazil and I speak both Portuguese and Spanish. I have been in the US for the last 30 years and consider it my home.
I love what I do.  I am new to Heartland Mortgage but not the Mortgage Industry.  Over the past 6 years I have helped innumerous people to realize their dream of buying a home and /or refinancing. I am very familiar with the Down Payment Assistance Programs, FHA loans and 1st. Time Home Buyers Programs.  I am eager to complete the closing process and will keep you and your realtor informed through out the whole loan process.

Having been a licensed Real Estate Agent since 1979 helps me to understand both sides of the equation.  I am both knowledgeable and responsible keeping my borrowers and agents needs as my first priority.