I completed a Bachelor of Science in Business Administration in finance at Central Missouri State University in May 1989 and started working with Carl I. Brown & Co. in July 1989 as a Loan Originator. In this capacity, I traveled extensively originating FHA streamline refinances and originated mortgages on purchase transactions in greater Kansas City, MO. In December 1989, I moved to The Brown Company Residential Real Estate Company. Principals of Carl I. Brown & Co. owned The Brown Company. It was my responsibility to list and sell residential real estate. In February 1991, I took a position in the Wholesale Lending Department as a Sales Representative. In April 1992, CIB transferred me to Phoenix, AZ as an additional Sales Representative, becoming the Branch Sales Manager soon after my arrival. In August 1992, I opened and managed the first Carl I. Brown & Co. branch in the Northwest. Although opened as a Wholesale Branch, the Seattle Branch began to establish a base of Retail business by May of 1993. In August 1993, having found a replacement, I accepted a Manager’ position in the new Retail office in Scottsdale, AZ. In May of 1994, the Scottsdale, Phoenix and Tempe Branches consolidated. I managed the Chandler office and originated residential mortgages valley wide offering an extensive list of loan programs including government, bond, conventional, and jumbo loans. In March of 2000, Carl I. Brown Mortgage changed their name to First Horizon Home Loans. September 1, 2008 MetLife purchased First Horizon Home Loan. In February of 2012 following the closure of MetLife Home Loans, I joined Homeowners Financial Group as the Branch Manager of their Tempe Arizona office. Using skills acquired from all of my experiences and education, it is my goal to develop long lasting relationships my customers. I nurture these relationships by providing consistent, valuable, and stress free services to all my customers and assisting them far beyond just purchases or refinance transactions.