I know firsthand how overwhelming the path to homeownership can feel. I bought my first home the hard way—confused, with more questions than answers, but determined. That’s why I’ve spent more than two decades helping others navigate the process differently.

Since 2002, I’ve helped more than 1,000 families achieve homeownership. First-time buyers looking for straight answers. Veterans who have earned a path forward. Self-employed entrepreneurs who refuse to be boxed in by a W-2. Families ready to move into a home that reflects how hard they’ve worked.

I believe in honest guidance and clear answers because trust is built on truth. When a loan gets complicated, I don’t hand it off or make excuses. I roll up my sleeves, work through the details, and find the best path forward.

My values were shaped in part by my time in the Marine Corps. After graduating from Merced High School in 1989, I entered recruit training at Marine Corps Recruit Depot San Diego that September and went on to fulfill my Marine Corps Reserve commitment while attached to 4th Landing Support Battalion in Lathrop, California. I was honorably discharged in 1996. The Marine Corps taught me discipline, responsibility, and how to show up when people are counting on me—qualities I bring to every loan I touch.

At Halo Mortgage, I combine traditional values with modern lending solutions: clear communication, fast execution, and zero runaround.

I live in Merced, California, with my wife, together we raised four children.

Your home is more than a transaction—it’s a foundation for your family’s future.