Experience

NEXA Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Loan Officer

  • Jul 2022 - Present

  I’m a Licensed Mortgage Loan Originator affiliated with NEXA Mortgage, the Largest Mortgage Brokerage in the country. I have been in the Finance Industry since 1996. I’m a Certified FICO Expert on Credit Scoring. I’m widely regarded and recognized as one of the leading Credit and Finance Experts in the nation. Bringing over 27 years of knowledge in the Finance and Credit Industry. I’m also a nationally sought-after speaker who is routinely featured at Educational Seminars for Attorneys, Banks, Realtors, and consumers where he informatively speaks on the complex subjects of Credit Reporting and Credit Scoring. With my vast knowledge and experience make me a tremendous resource for associations groups that serve consumers. Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, I can help you before you ever make an offer on a property. With over 180 lenders and thousands of loan programs, I have a deep knowledge of credit in the finance industry which allows me to see the big picture and assist my clients in identifying the right loan package for each unique situation. I specialize in all transaction types from FHA, Convention, Jumbo, VA, USDA, Doctors, Investors, Hard Money, Stated, Bank Statement, No Income Verification, Self Employed, and many more. My ability to compassionately listen, consult, and take action for my clients over the previous 2 decades has set me apart and has made me a recognized leader within the credit industry. My mission and true passion are helping all my customers achieve their goals on obtain a Home. I will continue to share my experience and expertise in the hope of encouraging others to achieve their own vision of the American Dream. Show less



Sand Dollar Associates LLC

• United States
• Consumer Services
• 1 - 100 Employee

• Sand Dollar Has Provided Thousands of Small Businesses With Over $1 Billion in Creative Financing

  • Jan 1996 - Present

• Sand Dollar Provides Lines of Credit to Small Businesses without Risk of Losing Home or Other Assets

  • Jan 1996 - Present

  I’ve been running Sand Dollar Investments for over 27 years, as such I know how to get small business owners an unsecured line of credit, up to $250k, at terrific promotional rates. I’ve done this for thousands of businesses. The key word here is ‘unsecured’. This means, as a client, there’s no collateral you have to put up; your home, your car, your business equipment – none of that is touched. In fact, your personal credit score remains unaffected, no matter what happens to your business, because the loan goes to your company.I can also get you a premium interest rate; as low as 0% for a 9 – 18 month term. Payment terms are flexible, you can either make the minimum monthly payment or more, depending on your cash flow. Every payment you make, also goes towards principal.And remember, the interest charges on this line of credit can be deducted at tax time, which reduces the cost of borrowing even further. This credit is “revolving”, meaning it will always be there when you need it; as you pay it down, you can tap the unused portion again later if need be. You can also keep this line of credit as long as you want it. Let me show you how I can supply your business with an unsecured revolving line of credit. Connect with me here on LinkedIn. Show less



Sand Dollar Associates Inc

• United States

• Sand Dollar Eliminates Typical Loan Application Process; Makes Establishing Line of Credit Painless

  • Jan 1996 - Present

  Imagine needing some capital to start or continue running your business only to be told by your bank that you need to provide tax returns, pay stubs and your company’s financials to qualify. You’re then asked when you can pay it back, which is a difficult question to answer because you know there will be expenses you can’t predict, and that your cash flow will be unpredictable, especially in today’s economy. Finally, you’re told to provide collateral to secure the loan. Or worse; you get rejected. And then you discover that rejection will stay on your bank’s records for years. Truth is, small businesses owners are frustrated when they have to go to banks or other lending institutions because they are so process heavy, with little room for flexible client solutions. As a result, business owners are told they may be high risk, meaning they have to pay higher interest to get the funds they need. I solve this problem by getting rid of all the headaches associated with securing capital. I provide a process where as a small business owner, you do not have to provide: • Tax returns or other financials • Pay Stubs • Proof of Revenue • Collateral I will get you an established line of credit that is: • Unsecured (your assets remain yours) • Attractive (promotional term rates as low as 0%) • Infinite (you can use it again and again as you pay it off) • Approved within hours, with funds available in 5 – 7 days You’ll even be allowed to add credit “partners” to your account, such as a business partner or spouse. Show less



Sand Dollar Associates, Inc.

• United States

• President | National Speaker | Hypnotist | Real Estate Investor | Wealth Strategist | Private Money

  • Jan 1996 - Present

  Sand Dollar Associates, Inc. was established in 1996 as a company recognized for assisting business owners with alternative financing for their business. We are the leader in Corporate Credit, Business Credit, and Financing. Our mission is to help business owners access money to grow their Company. We have proudly become the authority with helping business owners secure large amounts of funding for their business. We are dedicated to helping you obtain money to grow your business whether you are a new startup business, existing business, or have good or bad personal credit. You can secure Unsecured Business Lines of Credit up to $250,000 with NO Collateral and NO Financials required, whether you are a well-established or a brand-new start-up. Unsecured Lines of Credit are absolutely life-changing for every business and are much easier to get than most people think! Unsecured Business Line of Credit With: * Get Pre-Qualified Today: * 0% introductory rate for 9-18 Months * No Collateral Needed * No Revenue Required * No Tax Returns Needed * No Financials Required * No W2 or Pay Stubs Needed * No Debt-To-Income (DTI) Requirements * Perfect for Start-Up Businesses * Receive Funding Within 5 to 7 Days * Lifetime Availability * Establish Business Credit * Separation of Personal and Business * Reports to Business NOT Personal Credit Bureaus * It’s Infinite Contact Us today at 518-472-0411 to learn more about how you can quickly get money to grow your business. www.ActionBusinessFunding.com Show less



Action Credit Repair LLC

• Chief Executive Officer

  • Jan 2005 - Present

  Many individuals are under the false belief that there isn’t much that they can do once their credit rating has fallen into a bad score. We have many suggestions that can help you with this. In general people do not realize that there are many different categories that are looked at and collected to come up with the credit score. By knowing what these categories are we are able to educate them as to how their actions can affect each of these. We have built a business focused on Credit Score Improvement and Credit Education for consumers. I’m a Certified FICO Expert, National Speaker, Credit Coach and highly trained in the techniques of Credit Repair, Credit Education and Credit Score Increase. We know the stress and frustration that comes with trying to first decipher and then repair a poor credit score. We will scrutinizing these reports for any potential inaccuracies and we have the expertise that is needed to pursue the removal of these items. Any of these items most certainly can have a detrimental on the credit score itself and your rights are protected under the FCRA and our Experts are prepared to see that they are given those rights. The responsibility is on the credit agency to remove any disputed items from their report that cannot be proven. Any Credit Repair Company that Claims they can Repair Your Credit in 30 days is violating the Credit Repair Organizations Act (CROA) and it is illegal. They are acting deceptively and they should be avoided. No two credit reports are the same & no company can predict the future activity on any client. We will never tell a clients that their credit can be repaired in 30 days, so your referrals are safe with us. We offer a FREE Consultation with a Certified Credit Expert. We will determine that everything that is contained on your credit reports are 100% accurate. There is no reason for you to wait one minute longer from enjoying a life that isn’t being adversely affected by your poor credit rating. Show less