I have been a mortgage consultant for the last 25 years and I have been lending with First Capital in the Studio City area for the last 16. Today’s lending environment has changed dramatically and it is much tougher today to get a loan than it has been in the past. This is why it is so important to work with a professional mortgage consultant. Each lender has subtle to dramatic differences from each other. In the past , it was so easy to get a loan that you just shopped the rate, but today you need to shop the mortgage professional. I invite you to give me a call, and let’s talk about your mortgage needs.