My name is Kris Anderson and I have been a Mortgage Banker and Real Estate Investor for the past 10 years.  In today's market things are a lot tougher than in years past.  I believe in working with each individual and helpping them determine which loan program would fit their needs best.  Each borrower is different in many ways and it is very important that we find the perfect loan product to fit your lifestyle and budget.  In my years of being a Mortgage Banker I have found that most people respect me more because I come across as a consultant.  What I mean by this is that I do not believe in just turning someone down due to bad credit or any other reason for that matter.  I believe in going the extra mile and educating my borrower on why they can't get financed and what they would need to do to get a loan in the future.  Then I go one more step and put together a road map on how to get there and approx. how long it will take.  Over the years of doing business this way I have had many returned customers.  There are clients of mine that have increased there credit scores over 100 points and was able to come back to me and get approved for a home loan.  Nothing makes me feel better than that!  Bottom line I am here to help you with all of your mortgage needs and will do everything in my power to help you achieve your goals and make home ownership a reality.