I was born in Mesa Arizona but grew up mostly in the Bay Area in California. I have been married to my sweetheart since 1992 and we have raised 4 amazing children. Nothing makes me happier than spending time with my family. I play guitar and enjoy various sports, boating, and pretty much anything outdoors. I have been an American Fork resident since 1994 where I have loved raising my kids.I started my career in banking as a teller in 1989. Other than serving a 2 year LDS Mission, I have been in banking/lending ever since. Over the years I have been able to gain extensive experience in commercial lending, construction lending, and home mortgage lending. I enjoy building relationships and helping people reach their financial goals.