I've done home loans since 1995. I'm an expert with VA, FHA, USDA and Conventional loans. I teach people how to: 1) Increase credit scores. 2) Invest in second homes and investment properties. 3) How to become a home "flipper". If you want to know exactly what you're doing in the mortgage process with a home purchase or a refinance, I'll walk you through the process from start to finish.