25 years ago, I left my career in the title and escrow career to become a mortgage loan officer. I announced it on April fools day to the real estate agents that I was no longer going to be their title rep and that I was making the move to the mortgage side. Many were shocked as I had been in the title industry for 14 years and was pretty established. It was a big move!
The first 22 years were at Mortgage Master Service Corporation, where I worked with my in-laws, Marilyn Porter, John Porter and Bob Porter (rip). Looking back, I was so fortunate to have been trained by the best. I had a great base to start from with my previous experiences from title and escrow, but there was still so much to learn with mortgage guidelines and the systems used to process a loan application. I spent quite a few hours perched in front of Marilyn’s desk to learn everything I could from one of the best.
The family decided that after 46 years of providing mortgages, it was time to close shop. I don’t blame them. The last couple of years has been very challenging for the mortgage industry.
On Halloween (it’s truly a coincidence that my job changes have been on funny holidays) of 2022, I joined New American Funding. Like Mortgage Master, they are an independent, correspondent lender. They’re similar in many ways except, NAF is nationwide and has more products to offer. A majority of our programs are cared for in-house and they retain servicing on about 95% of the mortgages – which is fantastic. I am very pleased with the level of service I’m able to continue to provide my clients as a majority of my business is from real estate partners, returning clients and their referrals of friends and family (I don’t buy leads or take “up-calls”).
If you’re thinking about buying, refinancing, remodeling, a reverse mortgage or restructuring debt… heck, even if you’re thinking about selling your home, I am honored to help you!
BIG PS: It’s also my 19th wedding anniversary to my favorite April fool. 💗
FHA issued an update to their guidelines (ML 2025-09) revising residency requirements for FHA mortgages. The new guidelines only allows U.S. citizens and lawful permanent residents and removes non-permanent residents from being eligible.
I am taking a quick vacation to visit my son and family in Japan. I will be back to work as fresh as a cherry blossom on April 9, 2025.
As expected, the Fed has decided to leave the Fed funds rate unchanged, leaving the targeted range between 4.25% and 4.5%. This rate does not directly affect mortgage interest rates, but rather influences the direction of mortgage interest rates (unless you have a home equity line of credit that is based on the prime rate).
In today’s digital world, protecting your personal and financial information is more important than ever. One of the most effective ways to safeguard yourself against identity theft and fraudulent activity is by freezing your credit. Whether you’re 
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