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I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Qiluick response from the Annie Mac team. Kiet N ROCKFORD, IL December 29 Rating: 5.0 out of 5.0 from Encompass
Qiluick response from the Annie Mac team.
Justin was amazing and patient ensuring I had a clear understanding of the process. Michele HAMPTON, VA November 14 Rating: 5.0 out of 5.0 from Encompass
Justin was amazing and patient ensuring I had a clear understanding of the process.
Everything went great Randal R. CLARKSVILLE, TN November 06 Rating: 4.8 out of 5.0 from Encompass
Everything went great
Justin and Veronica were extremely communicative and helpful Diana Lynn GLENDALE, AZ November 04 Rating: 5.0 out of 5.0 from Encompass
Justin and Veronica were extremely communicative and helpful
what made this experience so great was the team. Justin, specifically, was incredible. I went into this knowing what I wanted but unsure and nervous as to how it would affect me. like a deer in headlights. Justin educated me through every step of the process and ensured I had all the information necessary to make the best decision for myself. J... Betzy SOUTH AMBOY, NJ September 27 Rating: 5.0 out of 5.0 from Encompass
what made this experience so great was the team. Justin, specifically, was incredible. I went into this knowing what I wanted but unsure and nervous as to how it would affect me. like a deer in headlights. Justin educated me through every step of the process and ensured I had all the information necessary to make the best decision for myself. J...
We were not informed about the changed of the MLO, however, Chad was great and beyond even he was put out of our deal he was giving is assurance that we are going to get the best offer and that we are in good hands. EMERIK NORFOLK, VA September 17 Rating: 4.3 out of 5.0 from Encompass
We were not informed about the changed of the MLO, however, Chad was great and beyond even he was put out of our deal he was giving is assurance that we are going to get the best offer and that we are in good hands.
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there