Stephen’s mortgage origination experience began in the early 1990s when borrowers needed a minimum 720 credit score and a 20 percent down payment, just to be considered for a home loan, and 12 percent was a great rate! Stephen returned to the mortgage industry in early 2003 after several years of working with top tier businesses to elevate their sales, client service and satisfaction to levels of excellence. As a professional, senior loan consultant, Stephen has helped hundreds of clients realize the American dream of home ownership through responsible lending. His passion for the industry has fueled his ability to assist clients in building credit, determining the correct loan program for their specific needs and making the most of home equity as a wealth building tool. Stephen’s personal experiences in real estate transactions allow him to relate to clients at any level. Stephen guides his clients smoothly through all of their real estate mortgage needs, even when those needs include lot loans, construction loans or commercial financing for a purchase or refinance.
Stephen, his wife, Lisa and twin boys, Jakob and Riley, reside in Cameron Park. While his twin boys are the light of his life, they certainly keep him on his toes. When he’s not helping people with their mortgages, he loves to invest time with his sons, spend quality time with his wife and keep up with all things involving motor sports. You might even find him racing karts at RPM!
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