Dallas/Fort Worth-based mortgage and commercial lending veteran with 37+ years of experience and more than 2,000 mortgage loans personally closed across all 50 states. I studied engineering at the University of Texas at Arlington and hold a graduate degree in banking from the University of Wisconsin at Madison. I founded Your Mortgage Toolbox to give homebuyers free access to the same state-specific mortgage calculations lenders use — no sign-up required. I'm available to provide expert commentary on mortgage rates, closing costs, homebuyer affordability, refinancing, and the lending process.