Mortgage lender with over 25 years experience specializing in first time homebuyers with credit scores between 580 and 660 who need down payment assistance. I am also a certified HUD Housing Counselor. My work email is [email protected]. My business email is [email protected]. I am also a Divorce Lending Specialist. I can service the following states: NC, SC, GA, FL, AL & TN. I am a CE instructor for Real Estate I am the owner of The Mortgage Chat,LLC which is an information portal for Loan Officers, consumers and Realtors. Currently serving as a Community Reinvestment Act Loan Officer for United Community Bank for Atlanta Metro.