With the help of some great mentors and fantastic clients over the years, I have developed the following principles which represent the commitment I make to each client I am given the opportunity to serve. I have decided that without exception I will:

• Ask questions and listen to my clients in order to fully understand their needs.

• Create mortgage solutions that complement my clients overall financial strategy, accomplishing their short and long-term financial goals.

• Be sensitive to the fears that many home buyers have about obtaining a mortgage loan and earn their confidence as a trusted advisor.

• Respect my clients time and minimize the amount of effort required of them by applying my knowledge, experience and resourcefulness.

• Use state-of-the-art technology to complement my customer service.

• Communicate regularly and proactively with my clients to keep them informed of the status of their loan and to reduce the stress that is associated with uncertainty.

• Ensure smooth, on-time closings as scheduled.

• Provide my clients the luxury of home loans in the future with little effort on their part, by means of an Annual Mortgage Review.

• Measure my success by my clients willingness to confidently recommend me to others.

• Take full responsibility for my actions and be honest at all times.

• Seek to improve the quality of service I provide by encouraging each client to critically evaluate my performance.

I look forward to your call and serving you as your trusted mortgage advisor!