Thirty years in. Still one broker, still every file.

I’ve been in residential lending for thirty years — through the refinance booms, the crash, the recovery, and every rate cycle in between. I’ve originated conventional purchases and refinances, hard money, Alt-A, and just about everything else California real estate produces. Somewhere along the way, reverse mortgages became the center of the practice, because it’s the corner of lending where experience and honesty matter most — and where both are in shortest supply.

Ideal Financial is deliberately a one-person shop. No loan officers working a phone script, no processing queue, no handing your file to whoever’s next. When you call, I answer. When underwriting has a question, I already know your file because I built it. Clients who’ve worked with big retail lenders tell me the difference is hard to explain until you’ve felt it — then it’s hard to give up.

I’m licensed in California and work with homeowners across the state. Much of the work happens by phone, email, and video — the way most of my clients prefer it anyway — with in-person meetings arranged when a situation calls for one.

One more thing, because it’s the foundation of everything else: I turn down loans. When the numbers don’t serve you, I say so and show you why. Thirty years of referrals came from that policy, not from advertising.