After earning my master degree from Harvard in 1999, I began my real estate career with Marcus & Millichap in Irvine, California. I started as an unlicensed assistant to a real estate commercial broker. In 2001, I obtained my real estate salesperson license and worked as a real estate agent with Century 21 in Buena Park, California. That same year, I obtained my teaching credential that authorized me to teach English to adult learners. Ultimately, I taught English as a Second Language (ESL), English composition, and English grammar courses from 2001 until 2016. I taught part-time at local colleges and worked full-time in real estate transactions. In 2005, I obtained my real estate broker license and in 2013 I joined RE/MAX New Dimension as a broker associate. While at RE/MAX New Dimension I earned several awards by learning and implementing the Momentum full-agent development program.

I have been able to achieve my dream of working in two fields I love, which are financial services and teaching courses. During the most recent recession, I decided to return to the university and I earned a Ph.D. in education from Chapman University. My dissertation was related to multi-lingual families in Southern California, where the three languages spoken in the home are Spanish, English, and a Native American language. I am fluent in English and Spanish and I am glad to service families in these two languages. I often notice the interconnection in the fields of languages, real estate sales, real estate finance, marketing, technology, and education with an emphasis in teaching and learning. We never stop learning and there is always room for improvement, so I am an advocate of learning.

I enjoy helping multi-generational families consider their financial options and weigh the benefits of their needs and wants. In the last several years there have been many challenges and changes to the real estate and mortgage industries, and an exceptional way to confront such market factors is with the Generational Lending approach. The term Generational Lending is a relatively new concept, which fosters new ways for real estate and mortgage brokers to service multiple generations by offering a full suite of loan programs that are intended for both forward and reverse mortgage borrowers. An example, of Generational Lending is: 1.) first-time homebuyers at age mid-twenties to mid-thirties; 2.) buying a bigger home, relocating, or refinancing at age mid-thirties to mid-fifties; 3.) HECM for purchase or reverse mortgage at age sixty-two to late-eighties.

I am glad to see that more and more seniors are understanding that reverse mortgages can potentially help them in several areas of their lives, such as : 1.) delay receiving social security benefits: 2.) not paying capital gains taxes by not having to sell investments: 3.) securing emergency savings for unforeseen medical costs; 4.) estate planning; 5.) relocating to desired climate and location; 6.) living closer to grandchildren; 7.) no monthly principal and interest payments; 8.) ability to live in a home that fits one’s lifestyle; 9.) a worry free financial future; 10.) helping grandchildren pay for university costs; 11.) covering long-term care; 12.) selling one’s current home and buying next home without having mortgage payments on the new home. My goal is to help you self- discover which benefits of a reverse mortgage are better for you. It is understandable that a reverse mortgage may not be a proper fit for everyone, but everyone has the right to be aware of this potential option. In other words, a reverse mortgage is currently being viewed as a vehicle to better fund a retirement.