I was born and raised in Concord, CA and have lived my entire life in the East Bay area. I attended Ygnacio Valley High School, class of 1982 and moved on to Graduate from San Diego State University with a Bachelor of Science degree in Marketing with a minor in Finance. I have been in the Mortgage industry for over 30 years. When I am not passionately working on my clients financing needs, I love to be outdoors, golfing, entertaining in my backyard or traveling with my family in our motor home. I am a huge sports fan and love all Bay Area teams with a special love for my A’s and, Raiders and Warriors. My wife and I also love to be a part of our local community volunteering and donating to Non Profits like ARF, B Walker Ranch for Adults with Autism, Little League baseball, and more.