A more personal way to navigate your mortgage
I work closely with you to simplify the process, answer your questions, and help you move forward with confidence.
Direct Support
Together we will work throughout the process, from initial questions to closing.
Clear Information
Receive straightforward explanations so you can understand each step as it happens.
Structured Approach
Receive straightforward explanations so you can understand each step as it happens.estions to closing.
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15+
Years Experience
Who Is Dale
Guidance Built on Experience, Structure, and Trust
Dale brings a steady, informed approach to mortgage lending shaped by leadership, service, and real-world experience. He holds an Executive MBA and is a retired Colonel of the U.S. Army Reserves, where decades of responsibility, decision-making, and accountability defined his professional foundation.
As a husband and father of five, Dale understands the weight behind financial decisions and the importance of long-term clarity. His work is rooted in listening first, explaining options clearly, and helping clients move forward with confidence, not pressure.
Licensed as an NMLS Mortgage Loan Originator (NMLS #2646756), Dale approaches every client relationship with the same principles that guided his military and professional career: preparation, transparency, and trust.
As a husband and father of five, Dale understands the weight behind financial decisions and the importance of long-term clarity. His work is rooted in listening first, explaining options clearly, and helping clients move forward with confidence, not pressure.
Licensed as an NMLS Mortgage Loan Originator (NMLS #2646756), Dale approaches every client relationship with the same principles that guided his military and professional career: preparation, transparency, and trust.
- Executive MBA
- Retired U.S. Army Reserve Colonel
- NMLS Licensed Mortgage Loan Originator
- Husband and Father of Five
Our Services
Guidance Built on Experience, Structure, and Trust
First-Time Buyers
Additional guidance for those new to the mortgage process, with an emphasis on education and step-by-step clarity.
Repeat Buyers
Support for buyers who have been through the process before but want a more straightforward, organized experience.
real estate investing
Help navigating financing options for investment properties, with an emphasis on understanding the numbers and long-term implications.
Refinancing
Assistance reviewing refinancing options to help determine whether a change makes sense based on current goals and circumstances.
Home equity
Guidance for homeowners exploring ways to use the equity they’ve built, with a focus on clarity, timing, and long-term considerations.
How We Work
A Clear, Thoughtful Process From Start to Finish
Mortgage decisions carry long-term impact, which is why the process is designed to be clear, paced, and personal. Each step focuses on understanding your financial picture, explaining options in plain language, and moving forward only when everything makes sense.
1.
Understand Your
Financial Picture
The process begins with a conversation around income, goals, timing, and overall comfort level. This step is about listening first so recommendations are grounded in your real situation, not assumptions.
2.
Walk Through Loan Options
Available loan programs and structures are reviewed together, with clear explanations around how they work and what they mean long term. Questions are encouraged, and nothing moves forward without clarity.
3.
Guide You Through Closing
Once a path is chosen, the remaining steps are managed with steady communication and attention to detail. From documentation to closing, guidance stays consistent so the process feels organized and predictable.
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Calculators & Tools
Planning Tools to Explore Your Options
These tools are designed to help you better understand potential costs, timelines, and scenarios as you think through your next steps. They are meant to support planning and education, not replace a conversation or personalized guidance.
Mortgage Payment Calculator
Estimate Monthly Payments
Get a general sense of what monthly payments may look like based on home price, down payment, interest rate, and loan term. This is a helpful starting point for understanding affordability and planning ahead.
Use for: early planning, budgeting, comparison
Note: Results are estimates and do not reflect final loan terms.
rent vs buying
Compare your options with clarity
This calculator helps you compare the long-term cost of renting versus buying based on your situation. It’s designed to support thoughtful decision-making by showing how each option may impact you over time, not to push you in either direction.
Use for: weighing options, timing your next move
Refinance Calculator
Compare Current vs. Potential Scenarios
If you already own a home, this calculator can help you explore how a refinance might impact monthly payments or long-term costs based on different rates or terms.
Use for: scenario comparison, long-term planning
Debt management
Seeing the full financial picture
This tool helps you understand how existing debts factor into your overall financial picture when considering a home purchase or refinance. It offers a clearer view of balance, priorities, and how different choices may affect your flexibility.
Use for: organizing finances, planning responsibly
Common Questions
How Can We Help?
Clear answers to questions that often come up early in the mortgage process.
What happens after I reach out?
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Can you help if my situation is not straightforward?
Is there any pressure to move forward?
Will I understand what I’m agreeing to?
How long does the mortgage process usually take?
What documents are typically needed?
How early should I start the mortgage process?
Do I need to be ready to apply before reaching out?
Client Experiences
WHAT CLIENTS ARE SAYING
Every situation is different, but consistent communication and clarity are what clients often mention most.
Joni L G
“Dale was easy to work with. He kept me updated and on time. Closing was smooth and effortless.”
Amanda M C
“Everything went good and fast.”
Maurice P
“We were first time home buyer, and we were so surprised at how quick the process went. I would like to thank your team for all of their help.”
Lachaz P
“Dale was very patient and helpful. This was my first time buying a home and I was a little nervous but he made the process much easier for me”