The mortgage business is a matter of choices.  A lender must decide to either, offer a broad array of loan programs, or decide to focus particular loan programs.   Most lenders have decided to offer a wide array of loan programs.

I  focus  on specific loan programs rather than operate as a "Jack of all Trades and the Master of None.”

My approach is to offer and develop loan programs in which I have an expertise and that provide opportunities to individuals not served by traditional lenders.