Mortgage decisions can have lasting effects on your budget, credit and
overall investment strategy. DJ is here to assist you in making the wisest choice now and in the
future. Experience: With more than thirty total years of experience in the real estate and mortgage
industries, DJ knows all facets of the mortgage transaction and can use his deep rooted
knowledge to help you understand your op
tions and the mortgage process. His background in all
phases of lending, real estate sales and management gives him a unique perspective on
underwriting guidelines and loan packaging to give you the best possible approval outcome. Business philosophy: "My reputation is everything" says it best. DJ believes in putting his
client's interest first, always. He applies the "golden rule" in his every day approach to pricing,
problem solving and honest communication. Staying true to your trust and confidentiality is at the
core of his business philosophy. His goal is to create clients for life. Attitude: DJ prides himself on being a team player. He is easy to talk to, listens well and is
considered personable and respectful by clients and business associates. He knows when to be
patient and when to be persistent on your behalf. This produces consistently better results saving
you time and money. His friendly and positive attitude reduces much of the stress generally
associated with the mortgage process. Commitment: It can be difficult to know who and what to believe anymore. That's why DJ
provides every client a written commitment of excellence. His commitments include continuing
education to provide you with the highest level of knowledge; a cooperative spirit to insure his
representation is truly integrity driven; communication as often as necessary by your preferred
method to stay in touch, to keep you informed of your loan's progress; and provide caring and
effective education for those who seek a deeper understanding of their loan terms and options. Charity: In addition to being a stellar mortgage professional, DJ has donated countless hours to
supporting community charities. He is a founding member of the Sacramento Chapter of the
Foundation Fighting Blindness and has participated in numerous events and fundraising efforts to
insure its success. DJ believes in giving back and sharing his success with others. The Bottom Line: If you are looking for an honest, knowledgeable Mortgage Advisor that is easy to work with, DJ is your man. If you want timely results and ethical representation, DJ is your guy. He has a pristine reputation with numerous recommendations from past clients and Strategic Partners. DJ can evaluate your current situation and let you know your options without pressure or scare tactics. He does what he says he will do and doesn't make promises he can't keep.