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Licensed by the DRE in 2005, Kathy started her career as a mortgage professional specializing in Credit Scoring and First Time Homebuyers. In 2007, more than 6 months prior to her ARM adjusting, she reached out to her lender and thus began her career negotiating loan modifications. She successfully negotiated a loan modification for her own mortgage and worked with lenders on behalf of others working with non-profit AIM Property Solutions. Back to working with buyers and sellers, Kathy has continued to educate herself as the government implements new laws and guidelines. There is never a substitute for professional legal or tax advice, but an educated agent is a great place to start! An active duty military family, Kathy and her husband Dave, son Mason, and their dog Spencer live in the beautiful Sierra Nevada foothill community of Auburn, California.