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Stephen brings experience in both lending and real estate, which allows him to look at a transaction from more than one angle. He considers the property, the financing, the timing, and the client's longer-term plans before recommending a direction.
That perspective is especially useful for investors and clients working through less conventional scenarios. Stephen understands that the lowest advertised rate is not always the best answer if the rest of the loan does not fit the property or the borrower's strategy.
He takes a thoughtful approach, explains the tradeoffs clearly, and helps clients make decisions based on the full deal—not just one number.