As a Branch Manager with RWM Home Loans, I help educate individuals and their families by bringing awareness to the range of mortgage and reverse mortgage products that can help them achieve their financial dreams and goals. This is done by using my over 20 years of mortgage and financial service experience to help guide individuals and families to find the mortgage that best fits their individual needs. Whether it is a person’s first home or a person’s dream home, I can guide them through the process. I feel each borrower deserves the time and attention it takes to learn about and then select the right mortgage product that will help their specific situation. I want the borrower to feel comfortable with the choices they make. I take pride in making a difference in people’s lives by helping them realize the benefit of home ownership. I have learned that it takes a patient person with the utmost integrity, extensive product knowledge, and experience to be able to navigate the complex maze of lending today.
Serving: AZ, CA & IL
Get Your Pre-Approval Letter
Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.
Refinance Your Home
Refinancing your home can help lower payments, shorten your term, or tap equity for cash when life changes occur. By carefully reviewing your current rate alongside today’s competitive programs, you could save money, build equity faster, or gain more flexibility in your monthly budget. Let’s find the best refinance fit for your needs.
Down Payment Assistance
Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news? There may be down payment assistance programs out there designed to help — and many people don’t even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you’re able to buy. See what help is available and take a simple step toward homeownership.
Free Mortgage Calculator
Calculate your estimated monthly mortgage payment.
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How It Works
Step 1: Game Plan
Meet with your advisor, set goals, assess credit, define your budget, and review expectations for the rest of your home process
Step 2: Apply Online
RWM Home Loans’ Fluid App makes getting started easy. Quickly provide your information and upload documents seamlessly.
Step 3: Prep Work
We will review your information, request third party verifications, and prepare to submit everything for a Certified Pre-Approval.
Step 4: Offer Accepted
Congratulations, your offer has been accepted! You can rest easy while our team prepares to submit for final approval
Step 5: Bring In The Closer
Time to close! You will coordinate the appointment with the notary so you can sign your final loan documents.
Step 6: That’s A Wrap
Welcome home! You are ready to get your keys and unpack. Thank you for trusting RWM Home Loans with your loan.
Meet My Team
We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.
Nichole Daniel
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Robert Kersting
Production Partner
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I am authorized to do business in the states of Arizona, California, and Illinois. AZ Mortgage Banker Lic# 0931565; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
Arizona License by 16626 E Ashbrook Drive Unit A, Fountain Hills, AZ 85268
Licensed by Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601