Access funds for renovations, debt consolidation, or big goals with ease.
Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
We connect you with the right loan to bring homeownership within reach.



With more than 23 years of mortgage lending experience in Minnesota, I proudly serve homebuyers and homeowners across the Iron Range and throughout the state. As a VP of Lending at Lower Mortgage, my mission is to make the mortgage process simple, stress free, and transparent so my clients feel confident at every step.
I specialize in helping first time homebuyers, repeat buyers, and homeowners navigate a wide range of mortgage solutions, including purchase loans, construction loans, refinances, and second home financing. Whether you are buying your first home, building your dream home, refinancing to improve your financial picture, or purchasing a vacation or investment property, I provide clear guidance and personalized advice to help you choose the right loan.
My dedication to client satisfaction is reflected in 387 client reviews on Experience.com, where I maintain an excellent 4.9 star overall rating. Clients appreciate my approachable style, strong local market knowledge, and my ability to break down complex mortgage concepts into clear, manageable steps.
Living and working in Minnesota is something I truly value, and I am passionate about helping others who love this state achieve their homeownership goals here. Throughout my career, I have had the privilege of helping countless clients overcome unique financial challenges and successfully achieve homeownership. I take that responsibility seriously and am deeply grateful for the trust my clients place in me.
My commitment is simple: exceptional service, honest advice, and dependable results from application to closing and beyond.

