I was born in Manabi, Ecuador in 1956 and I emigrated to the USA with my family in 1991. I graduated in Business Administration from the Santiago de Guayaquil University in 1986, and I have conducted seminars at the Dale Carnegie Institute of the Human Relations, Sales and Supervision. I began my journey in the Mortgage Business in the year 1994, throughout this time I have helped hundreds of families to make their dream come true, which I am passionate about, and I hope to continue doing as long I have the ability to do it.