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With over 16 years in financial services, I bring a unique, advisory-driven approach to my role as a Mortgage Loan Officer at Bay Capital Mortgage. My career began in banking and wealth management, where I served as a Financial Advisor and Credit Solutions Advisor, always focused on helping clients make decisions in their best financial interest.
That foundation shapes how I approach mortgages today. I don’t see home financing as just a transaction. I see it as a critical piece of a client’s overall financial picture. My background allows me to evaluate lending strategies through a broader wealth lens, ensuring each mortgage solution aligns with long-term goals.
Mortgages became a passion of mine because they are, at their core, complex puzzles. Every client scenario is different, income structures, credit profiles, assets, goals, and I genuinely enjoy piecing together the right structure to create clarity and confidence. Solving those puzzles and explaining the strategy in a simple, understandable way is what drives me every day.
At Bay Capital Mortgage, my mission is simple: deliver smart, strategic lending solutions that serve my clients’ best interests, today and long term.
We Close On Time, Every Time.
The following online calculators serve as helpful tools during the mortgage process.
Calculate your monthly payment and see how the principal is paid over time.
Calculate the difference between renting and buying a home.
Calculate the APR for fixed-rate or adjustable-rate loans.
Determine if you can consolidate your debt by combining it with your home mortgage.
Find out how soon you can pay off your mortgage by making a prepayment.
Determine the additional monthly payment amount needed to pay off the loan sooner.
Find out how long it will take to "break-even" on a refinanced loan.
Determine the estimated tax savings with a new loan.