Born and raised in vibrant San Francisco, California, I attended Sacred Heart High School and later earned my degree from San Francisco State University. My career in the mortgage and real estate industry began in 1999, where I successfully balanced roles in both sectors until 2012, when I chose to focus exclusively on lending.

Over the years, I’ve cultivated a well-rounded perspective in the industry, including five years of experience on the wholesale side. From 2014 to 2023, I was proud to serve as part owner and Senior Loan Advisor at Pinnacle Mortgage in San Mateo, California. Today, I bring my expertise and leadership as Sales Manager and Senior Loan Advisor at Flex Funding in Huntington Beach, California.

With more than two decades of experience in mortgage lending and sales, I’ve come to deeply value the power of active listening. Building genuine connections with clients—understanding not just their financial needs but their broader goals—has always been at the heart of my approach. I find immense satisfaction in helping clients refinance or purchase properties while educating them about our extensive loan options. Similarly, I’m passionate about mentoring our team, empowering them to grow as skilled and empathetic professionals.

Outside of work, I’m a devoted husband and father to three wonderful children—Edward, Sarah, and Carlos. My family and I split our time between the scenic landscapes of Napa, California, and the sunny charm of Queen Creek, Arizona, where we enjoy creating lasting memories together.

This blend of professional expertise and personal connection fuels my passion for making a difference in the lives of our clients and team members every day.

I’m here to answer any questions you might have about our products and services. Feel free to contact me to discuss any of your mortgage needs.

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.