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Bachelor's of Arts Degree, Cal State Long Beach, CA
FHA Authorized Underwriter
VA Automatic Underwriter
Instructor- Real estate lending principles
Federal Home Loan Mortgage Corp (FHLMC)
Agency Approval (DO) Authorization

• Agency In Real Estate

• Environmental Inspections

• Environmental Disclosures

• Ethics in Real Estate

• Fair Housing Laws

• Federal Environmental Legislation

• FHA & VA Credential Training

• FNMA Tax Analysis Course

• G.E. Mortgage Fraud Analysis Course

• Hazardous Materials In Homes

• Mortgage Fraud Risk Analysis

• Real Estate Appraisal 

• Real Estate Practice

• Real Estate Finance

• Real Estate Office Administration

• Real Estate Legal Principles

• Real Estate Principles

• State & Local Legislation

• Taxes, Real Estate & the Environment

• Tax Return/income analysis course

• Trust Fund Handling
   

Over 25 years lending and management experience in all phases of mortgage operations including Underwriting and Origination; Risk Management; Product Development; Fair Lending Guidelines; RESPA Regulations; Compliance, Fraud/Quality Control Procedures and Analysis, Loan Due Diligence and Audit Procedures. Licensed real estate and mortgage broker involved with all facets of operations, compliance, regulations, and sales.

• California Federal Bank

• Corporate Mortgage Advisors

• Citizens Thrift & Loan

• First Plus Bank

• Wells Fargo Bank

• Bank of America

• United Guaranty Insurance

• Pacific Federal Bank

American College of Forensic Examiners
HG Experts Directory
Maui Association of Realtors- MLS & Realtor
CA Sandicor MLS Assoc.

CA Dept. of Real Estate #01108665
HI Broker's License #18721 (Inactive)
HI Mortgage Broker's License #MB-777
 

CNA Surety Companies, bonded for mortgage brokerage in the state of HI for $15,000.00