I have been in the mortgage industry since 1989 and I am a native Phoenician. I am a Senior Mortgage Banker with Bell Bank Mortgage and I am unique in my position as I have also been an underwriter, processor and loan closer. Bell Bank is a private independent bank with over 10 billion in assets and we specialize in jumbo loans. Bell’s portfolio lending offers flexible and unique underwriting solutions for complex borrowers. We also have a low down payment Physician/DDS loan up to $2,000,000 with no mortgage insurance and competitive rates. Along with my Scottsdale mortgage branch-Bell Bank has a convenient Biltmore location and will soon have a Scottsdale bank branch to further assist clients. My processing, underwriting and closing team is local and we have a well coordinated process to ensure we close on time. We provide conventional, FHA/VA and Jumbo Portfolio loan products along with lot loans, bridge loans, construction loans and Canadian borrower loans.