Raised in Southwest Virginia - graduated from the University of Virginia with BS in Finance/Management - have 30+ years of experience as a mortgage loan officer - have been in New Jersey since 1996 - worked almost 15 years with Wells Fargo but have also worked for boutique mortgage companies, savings banks.   Currently with PenFed Mortgage a division of Pentagon Federal Credit Union.   We lend to anyone - and anywhere in the United States.  From my location in central New Jersey it is easy to service the entire state and also New York and Pennsylvania.  We offer some great perks:  low interest rates, NO lender fees, and a THANK YOU bonus for purchasers.   We provide VA, FHA, Conventional and JUMBO mortgages.  Musician on the side and proud mom to my cats, Lucy and Ethel.