Hi, I’m Heath, a distinguished mortgage consultant in California who epitomizes resilience and excellence. After a life-altering motorcycle accident at 18, I was told I’d never walk again, but through rigorous recovery, I defied the odds and took my first steps. Since then, I’ve undergone nine surgeries, yet remain unstoppable. My unwavering dedication guarantees results that exceed expectations.

With a client-centric approach and an unmatched work ethic, I ensure a seamless mortgage experience. We’ll explore a wide selection of products—from conventional and FHA to VA and USDA loans—to find the one that meets your goals. As part of the Santa Cruz, CA team with America’s #1 Retail Mortgage Lender, my support follows you from our first conversation to closing, answering your questions and offering personal guidance along the way. Together, we can achieve your homeownership dreams.