Twenty years of knowing where banks say no.

I spent the first chapters of my career inside major banks — senior lending leadership roles at PenFed, Citigroup, and Bank of America — approving loans, and watching good borrowers get declined for reasons that had nothing to do with their ability to repay. Going independent as a broker under Reliance Bay Funding meant I could finally match each client to the lender and program actually built for their situation, instead of forcing every file through one bank’s box.

Today my practice splits down the middle. Half is first-time buyers in San Jose, Morgan Hill, and Gilroy who want the process explained properly — and I will explain it as many times as it takes. The other half is complex files: self-employed borrowers, tech professionals with RSU and stock compensation, jumbo loans at Silicon Valley price points, investors, and foreign nationals. Most brokers pick one lane. I’ve never seen a reason to.

Two things I take unusually seriously: financial literacy — you should leave every conversation understanding your loan better than when you arrived — and wire-fraud protection, because a mortgage is the largest transfer of money most people ever make and it deserves that vigilance. I serve clients in English and Farsi.