I am a U.S Army veteran, husband and father. I graduated from the University of Cincinnati’s Carl H. Linder College of Business in 1989, served 8 years in the U.S. Army as a Bridge Engineer and I am married with 3 kids. I have been in the Real Estate and Mortgage Industry as an Owner, Loan officer, Realtor and investor for 33 years. I am an avid Cincinnati sports fan, enjoy camping, golf and spending time in Hilton Head, SC with family. “BORROW SMART-RESULTS MATTER

NMLS# 294680