I have been in the mortgage industry for over 30 years, 17 of them with Kemba Credit Union. My specialty is working with first time home buyers. I have had many first-time home buyers return to me for their financing needs over the years. My goal is to provide our members with a great experience during the financing process. Receiving referral business means a lot to me. It means that I have gained your trust and you are comfortable enough to trust me with the financing for your family and friends.