Get to know me
Buying, selling, or refinancing a home is more than a transaction: its a life changing experience. Karen is a highly seasoned mortgage professional, licensed in Florida and Georgia with over 25 years of experience. She is dedicated to providing exceptional, personalized service for all of her clients. She takes great pride in the relationships she builds and always works relentlessly on the clients behalf to help them achieve all their mortgage goals. Together Lets Make Your Dream a Reality!
My experience
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
Clear plan from pre-approval to closing: quick pre-qual, honest options, strong offers, smooth underwriting, on-time closing. One-stop Realtor + lender, VA-savvy, proactive updates every step.
Soft pull first—no score impact. I price your scenario, then do one hard pull only to lock. That report can be reissued to shop programs; mortgage inquiries in a 45-day window count as one.
Veterans, first-time buyers, self employed & busy families. I simplify with one point of contact (Realtor + lender), fast pre-approval, clear checklists, e-signs, weekly updates, and on-time closings.
Out-of-state? I handle everything end-to-end: video tours, neighborhood briefs, same-day pre-approval, clear cost sheets, and e-signing—plus weekly updates to closing.
ID & SSN; 30 days pay stubs; last 2 yrs W-2/1099 or tax returns (self-employed: returns + YTD P&L); 2 mos bank statements; LOEs for gaps in employment. 12 mos bank statements for bank statement loans.