Real estate & Finance professional with 20+ years of experience advising Buyers, Sellers, business owners, investors, and owner-operators across Northern & Central California. Specializing in all aspects of Real Estate from Residential properties, owner-occupied and investment commercial real estate, business lending, construction & development , and SBA-adjacent financing, with a strong understanding of credit, risk, and deal structuring.Known for building long-term, referral-driven relationships and aligning practical financing solutions with institutional credit standards. License in both Real Estate (DRE) and Finance (NMLS) professional with a strategic, execution-focused approach.