I have closed over 1000 loans, refi's, purchases,VA, FHA,lines of credit, 2nd mtgs., debt consolidations, annuity sales. I have over 15 years in the mortgage business and closed my own loans. I know the docs and can explain them in lay-mans terms, which keeps the client comfortable and the loan easier to close. Fidelity approved. I can cover Bay, Saginaw, Midland, Huron, Tuscola, Arenac and Gladwin counties. Pavasso trained.