My background in real estate started as a youth. I was born and raised in Northern California, grew up in Carmichael and graduated from CSU-Sacramento as a finance/real estate major and met my future wife too. I started around real estate at age 8 following my dad around building homes and small land developments. Ultimately, I joined him in business at age 22.
In 1992, I entered the mortgage field and by December 1993, I started my own company, ATM Mortgage, at the age of 25. Interest rates were 10% that year and we were in the midst of a slow economy. That was a very difficult time to start a business. Eventually we grew to five local offices with about 35 agents. In March 1999, the Sacramento Business Journal included me in their “40 under 40” up and coming business people to watch.
In 2007, I merged ATM Mortgage in with Guild Mortgage and we became one of the largest privately owned mortgage banking firms in Northern CA. with 130 staff.