I have a BS in General Business - and have been doing mortgage 90% of the time since 1987 ! I grew up in New England , and schooled there, going to a prep school in Vermont, College in Mass. I moved to California in 1997, and then to Nevada in 2002. I do love this area I live in now - Carson City. Can you believe I haver done only about 10 gov't loans in my career ? I just resisted it - until I had too. I can offer my mortgage services in all of Nevada and all of California. Cheers.