I was a Banker (Commercial Business Banker for Citibank, Wells Fargo Bank and Chase) for 38 years. I retired from Banking 2 years ago. During my career as a full time Banker, I also maintained a California Real Estate Broker License since 06/1991, helping myself, my family and friends buy/sell Real Estate. I am very experienced in both residential and commercial real estate business development, lending and portfolio management. I am devoting full time to real estate now and has been enjoying this field for a very long time. I grew up in an entrepreneurial family who developed/owned hotels, restaurants...and real estate is my passion. I can serve as an advisor for my clients (both acquisition, lending, qualifying), always look out for their best interest and enjoy seeing them financially successful.