I am a course instructor and subject matter expert at Dynamic Directions, Inc., a leading provider of real estate and mortgage education and training. I have over 27 years of experience in the mortgage industry, including 23 years as the president and co-founder of Charter Oak Lending Group, LLC, where I originated and closed over $1 billion in residential mortgages.
I earned the Certified Residential Mortgage Specialist (CRMS) designation from NAMB – The Association of Mortgage Professionals, as well as the Certified Veteran Loan Specialist and Certified Credit Specialist certifications. I am also an approved instructor by the National Association of Realtors (NAR) and a contributor to their Home Finance Resource Certification (HFR). I have authored and co-authored several publications and courses on modern mortgage principles and practices, including the NMLS-approved pre-licensing and continuing education courses offered by my company CLOES.online.