As a mortgage agent with 9+ years of experience, my specialties include: home purchases; first time home buyer mortgages; mortgage pre-approval in as little as 15 minutes; refinances for debt consolidation; refinances for home renovations or investment; spousal buyout refinances for clients experiencing a separation or divorce; mortgages for the self-employed; investment properties; vacation or second home properties; non-resident mortgages; permanent or non-permanent residents; mortgages for those with past or present credit problems; commercial mortgages; and credit repair.