I am with America East Mortgage in Frederick and have been a mortgage consultant for nearly six years. I have also been a resident of Frederick for 12 years.

I specialize in residential mortgage lending and mortgage planning. The long term focus of my involvement with clients is to integrate their mortgage debt into a holistic financial plan. As such, I often work hand-in-hand with Certified Financial Planners and CPAs to improve my clients' overall financial health.

I have also been a contributor to the Associated Press on mortgage related stories, as well as a weekly contributor to BankRate.com's Rate Trend Index along with other nationally known mortgage professionals. At this point, my business is 100 percent referral based.

Personally, I have been married to an amazing woman for 10 years who also owns a business in Frederick. We have two incredibly active boys, ages 8 and 4. I prefer to spend as much time involved in family activities as possible. I am an avid runner and triathlete having completed seven Ironman distance races (six half Ironmans and one full).