In the bustling Bay Area real estate marketplace, it’s great to have a reliable and professional Mortgage broker ready to aid and offer advice through the process. I’m proud to be part of a team of very skillful and accomplished mortgage advisors and will draw from the wisdom of our combined 50 years of experience to support you as we navigate the process of buying, selling, or refinancing your home. The experience, expertise, and professionalism of Pro Mortgage are what make us a boutique, award-winning Brokerage company that has had great success in San Rafael and the Bay Area for 25 plus years. We are a family-owned small business, that has weathered financial storms and housing crises with nimble and informed decision-making that resulted in our continued success, and our clients' satisfaction. I am a native San Franciscan who has been involved in the property and real estate industry for my entire life. Generations of my family before me helped to shape the properties in this area- in fact, my father was a developer. My experience and success have allowed me to work almost exclusively with referrals from previous clients, and to build entrusted partnerships with practiced realtors, lenders, financial planners, and insurance agents that will provide a network of support during the sometimes complicated process.

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Our sole mission is to support our customers as they pursue their real estate goals. Whether your goal is a dream home, a vacation getaway, or investment real estate, our advisors put you first and deliver personalized service and mortgage solutions to achieve your goals.

My access to a variety of investor and loan programs has allowed me to maximize my clients’ savings using strategy, expertise, and a collection of creative resources. Whether you're looking to invest or to refinance, you can be sure we’ll get you locked into the best possible rates in the market.

I’m a native San Franciscan with an intimate knowledge of the local real estate and mortgage banking markets, at your full disposal. Leveraging my experience, I can empower you to confidently make the best decisions and will offer you transparency around what to expect during the home buying process.

Let's make this painless. Navigating the loan process can be tricky without the right team. My experience can help you get the unique loan that suits you. I have done hundreds of loans, and the loan process is designed to vet the borrower and make sure they fit the investors guidelines. We have 30-40 investors at any one time. You don't fit into their box, they fit into YOURS! My team and I are committed to being upfront and straightforward about the process- want to minimize any undue stress. You have worked hard to get here, so let us do the heavy lifting.

Let’s explore the benefits of Refinancing. There’s never been a better time to refinance with rates at or near historical lows. Due to its long-term financial impact, refinancing your home could be something that makes sense for you. I often save clients thousands by simply and strategically restructuring their debt.

The process of closing on a home loan can be intimidating and confusing. Working with a company like ProMortgage takes the guesswork off your plate and puts it in the hands of experienced and reliable fiduciary brokers that prioritize your best interests- not the banks!

As interest rates change, a buyer’s purchasing power can be dramatically impacted. The chart shows the monthly principal and interest payments based on the loan amount and starting rate.

These graphs show Appreciation after 7 years, Cumulative Appreciation after Closing Costs, %Return on Investment with 20% Down.

Avoid surprise closing costs with these facts. There seems to always be a little confusion around closing costs when purchasing or refinancing a home. There are so many terms, numbers, and documents to consider, it may sometimes feel like your head is spinning! (Here is a quick glossary of other mortgage terms for your reference too!) I wanted to write this article to hopefully shed some light on the different costs you can expect when closing escrow or refinancing your home. You can definitely expect these costs in any real estate financing transaction you undertake, and understanding them will empower your preparation and help you avoid any financial surprises. I find it most helpful to categorize these into recurring and non-recurring costs.

Keep these things in mind to save yourself time from unneeded stress in the closing process. Imagine this: You’re in contract, and you’ve been promised to close on your new home in 30 days. Once you’ve initiated the mortgage process there are a few things that can affect the outcome of your loan. The ProMortgage process is very streamlined, and it’s not overly complicated to make sure that everything goes smoothly so that you can uphold your promise to the seller; however, there are some things that may not be as obvious as they seem. If lenders have to extend their rate lock it can cost them time and money. The following are the top 10 things I suggest you avoid while your loan is in process and why not following these guidelines can result in costly frustrations.

Deciding between buying or renting your next home? It’s true that home values have gone up quite a bit, but so has the average cost of the rent. Click here to read more.

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Your pre-approval application is the first step on the road to closing on your dream home. Click here to register for your free ProMortgage account and start your application today.