History
CA DRE No.: 00942136 and NMLS License No.: 482403. I starting in the Real Estate industry in 1986. Moved to Mortgage Loan origination in 1990. In 2006 I decided I was done with working for major Banks and became an independent Mortgage Broker. At that time I joined Pacific Bay Financial Corp. During my over 35 years in the Industry with most specifically in Mortgage, I've seen phenomenal change! Every instance is tied to major events in the finance industry, the world at large or both. First was the deregulation and later the collapse of Savings and Loans. Next was the recession of the early 1990s. The tech boom and bust. 9/11 brought major regulatory changes to the tracking and reporting of financial transactions including mortgages. The