Hi, I’m Brad!  I am a Loan Officer at PHH Mortgage with over 19 years of experience, I pride myself in my passionate and heartfelt drive to serve my client’s best interests.  I am dedicated, knowledgeable, and committed to finding the perfect product, whether my clients are purchasing or refinancing.  My devotion to unparalleled customer service has resulted in continuously expanding network of loyal clients and referrals.  I will work hard to lower your stress level for you by making the experience as pleasurable as possible.  I will accomplish this through constant communication and by being accessible whenever you need me.  I thoroughly love my work and enjoy the fantastic people I meet every day many of whom become my friends.  I’m hoping to have 10 minutes of your time so I can share some ideas on how we can deliver more value to you.