By law, lenders are not allowed to say they have the "best rates," but Steven almost NEVER gets beat! Steven has served in the US Air Force for over 19 years on active-duty and in the reserves. He flew combat missions in the B-1 Bomber, worked on the staff at the Pentagon, and served as a Legislative Fellow in the US Senate. Steven's niche is helping other military families save a ton of money on their mortgage. He regularly beats large military banks like USAA, Navy Federal, and Veterans United by HALF a POINT! When you work with Steven, he has real-time access to rates from dozens of the top wholesale lenders in the country. When you are ready to lock your loan, he can get you an amazing rate from the best-priced lender at that moment. Banks simply don't have options like this. Brokers are better, faster, and cheaper for clients. Unlike most lenders, Steven encourages you to shop around, then when you work together, you are confident you are getting a fantastic deal. Steven holds a B.S. in Economics from Texas A&M University, an MBA from the University of Texas-Austin, and a Master’s in Public Administration from Harvard University.