I was a sailor in the US Navy from 1976 until 1980. When I became a civilian again I began to travel in the world by sailboat, from California to Mexico, Hawaii, even to Australia.

I began my career as a loan officer in 1998 at a time when interest rates were at 13%!

Compared to those interest rates…

I lived and worked as a mortgage broker in Newport, RI (the sailing capital of the US right?) until 2012 when I decided to sail down to Jacksonville, again on my own sailboat. I’ve called Jacksonville home since then and have made several journeys by boat since then, from and back to this great town.

From my vantage point of working as a home mortgage consultant for many years I have seen several cycles of upward and downward trends in the housing and home finance industries, including a huge housing bubble which burst and created a years long recession in our country.

It seems that Change is the only real constant. Nothing stays the same. As home buyers and sellers we have to anticipate Change and plan for it.

Experienced loan officers will always be available to guide buyers in purchasing and financinghomes, whether it’s a first home, a move-up home, a down sized home, a vacation home or an investment property. These housing changes coincide with the changing ages and phases of our lives.

Nowadays there are more different types of home mortgage loans than I’ve ever seen before.

As mortgage brokers, First Coast Mortgage Funding has access to all of these loan programs and the loan officers here are specialists in every one of them. You can read about them on the company website at Resources/Loan Programs.

It’s amazing what we can do with these different types of home loans!

I would love to talk with you and help you with your home buying questions and plans, at whatever point you may be in your lives.