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Greetings and welcome to my website! I am a financial services professional dedicated to helping my clients to protect their assets, build wealth, plan for retirement and to leave a legacy to their heirs through the use of innovative insurance products and services. I have over 12 years of experience in the insurance field as well as a background in banking and finance. I take a consultative approach with my clients and make sure that I look at their total financial picture. I educate as well as advise my clients on the best products and strategies to put in place in order to meet and exceed their financial and retirement goals. My hope is that the information that I share on this website will help in some small way to make your financial future brighter! I work with clients in the areas of life insurance and annuities, disability income, long term care, critical illness, medicare advantage & medicare supplement insurance. I would consider it a privilege if you chose to become one of my clients. For a no obligation needs analysis of your overall insurance needs, contact me here. |
Mortgage fraud is becoming more common. To protect your home and your home equity it is important to understand and recognize the signs of mortgage fraud. It’s also important to know how to report fraud to state and federal authorities so they can stop scam artists from preying on innocent borrowers. Scam artists will often target homeowners [...] A reverse mortgage is essentially a special type of loan that seniors can use to convert the equity in their homes to cash. At one time, the only way to get money from your home was to sell it and move or borrow money against it. One of the pros of a reverse mortgage is that you [...] Second mortgage rates are dropping, but lenders are tightening up the qualification requirements for home equity loans and lines of credit. In professional basketball, there are high percentage shots (dunks), and last-second, circus attempts thrown up to beat the clock. The climate of today’s environment for second mortgages is somewhere in between, something [...] Effective March 6, 2008, HUD will offer temporary FHA loan limits that will range from $271,050 to $729,750 (Limits). Overall, the change in loan limits will help provide economic stability to America’s communities and give nearly 240,000 additional homeowners and homebuyers a safer, more affordable mortgage alternative. The maximum amount of $729,750 will only be [...] I am pleased to announce that Nehemiah was victorious in its litigation against HUD! See letter below… Steve Judge Lawrence K. Karlton of the United States District Court for the Eastern District of California upheld Nehemiah’s motion for summary judgment. The Court Clerk’s Office is directed to enter judgment and close the case. To be clear, the [...] |
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