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I started in the banking industry in 1991.  I have worked for many banks over the years, most recently leaving Exchange Bank and moving to Union Bank.  For the past 5 years I have specialized in SBA financing, primarily focusing on Business Acquisitions.  I recieved my real estate license in 2019 to gain more knowledge on the industry and give me more options.  I decided to move over to Union Bank when I was advised of the rates and terms we could offer.  For the first time in my career I can offer 25 year fixed terms on SBA and Conventional Owner occupied Real Estate.  I can also compete on rate with anyone in the market.