As the founder of First Rate Financial, my journey into the mortgage industry started with my time as a Realtor, where I developed a deep understanding of what clients need during one of the most significant decisions of their lives. However, after transitioning into mortgages, I realized that the tools and products available at the companies I worked for, often fell short of truly serving my clients’ best interests. Not one to settle, I decided to create something better.

In 2005, I founded First Rate Financial with a clear vision: to combine the flexibility of brokering loans with access to some of the nation’s largest wholesale lenders, and to build a team of passionate, highly skilled individuals. From day one, we set out to challenge the status quo, providing unparalleled service and solutions that set us apart.

Over the years, First Rate Financial grew in ways I couldn’t have imagined. It wasn’t just about helping people secure homes—it was about building relationships, fostering trust, and creating a company culture rooted in excellence. I had the privilege of working closely with Justin and Adam, two of the finest professionals I’ve ever met. Our partnership went beyond work; it became a friendship that deeply influenced our company’s trajectory.

In 2018, seeking to expand First Rate’s impact and honor the collaborative spirit that made us thrive, I gifted a third of the company to both Justin and Adam. Together, we refined our Core Values, Mission Statement, and Vision—laying the groundwork for an even brighter future.

I’m a firm believer in diligence, integrity, and generosity, and those principles guide everything I do. From the smallest details to the biggest decisions, I approach every challenge with hard work and a focus on doing what’s right. My hope is that First Rate Financial continues to be a company that not only serves its clients with excellence, but also inspires everyone involved to reach their fullest potential.