Welcome to my Mortgage Information Center. Whether you are a borrower looking for a home loan, a realtor, or you are just someone who wants to know more - you will probably find most of what you are looking for here - delivered in a brief and to the point format. If you are looking for a commercial loan go here. If you are looking to invest in REO: "Real Estate Owned" properties, or need financing for it go here.
Realtor support As a Realtor you will appreciate my support, backed by "wide and deep" knowledge and experience. On top, I have a ridculous work ethic and strong delivery skills. I am here for you for information, advice, excellent client service, and timely loan approvals and closes. If we have not worked together yet, I hope we will do so soon! Contact me any time with your scenarios. I also recommend you subscribe to my weekly Mortgage Update. I write it myself and it always contains timely information and pointers.
Mortgage service
If you are a borrower, please know there is much more to mortgage service than quoting rates, filling out forms, and getting your approval. The mortgage process is complicated, and mistakes can be costly. A mortgage is not just a loan - it's your life! I am not like any loan officer. As your Mortgage Banker I make sure that you get financing that suits your goals and objectives - both initially and over time. I make sure that you have the lowest cost of borrowing, and that you are well-positioned to act on your future plans. I have virtually every conceivable loan program available, including FHA, Conventional, VA, USDA, Jumbo and VA, conventional, jumbo and super jumbo and others. I am a Mortgage Banker (what is a Mortgage Banker?), so my help doesn't cost anything. Why limit yourself by dealing with an application-taker at a bank if expert help is available for free?
Credit
The better the score, the better the loan (rate). If you need credit repair, or you if you can benefit from a modest improvement - I will help you improve your scores. It can take up to 6 months, but you'll be surprised what we can accomplish in just a matter of days. Information.
Mortgage Ready
We can't start with this early enough! No matter how well-qualified you are, we need to prepare to make sure the loan process will be smooth, and approval is obtained quickly. I like to "stack the cards in your favor" so that I can best advocate your loan and get the best possible terms for you. We do this by structuring the loan properly and perfecting your credit and the documentation upfront. This can be relatively simple, but sometimes significant preparation is needed. Information
Interest rate The rates you see posted everywhere are the best rates available, usually (not always) for a 30-day rate lock. That does not mean they would apply to your situation. Your rate will depend on many factors, which can include: credit score, credit profile, property type, location, loan to value ratio, purpose (purchase, rate/term refinance, cash-out refinance), occupancy (owner, 2nd home, investment), loan program, type of loan, when you lock the rate, how long you will lock the rate for, and other factors. On the top right of this webpage you will see the Freddie Mac reported current national average rates, which I can always beat if there are no issues. Also please note that my compensation does not depend on the rate I offer you.
The process
My team and I are used to "quarter-backing" for you, from beginning to end. Once you are Mortgage Ready and the loan application is initiated you will be assigned a dedicated support person who will make sure you will have a smooth closing. I also take personal responsibility for any problems that may arise. As you will find out, I offer much more than mortgage loans. With 15+ years of origination experience - and many satisfied clients and referrals to show for it - my clientele is still growing! I hope that you too will grant me the privilege of putting my skills to work for you!
Let's go to work!
For starters, I recommend you subscribe to my the Mortgage Update (Go for the industry version if you are a "person who wants to know more"). I write it myself and it contains important mortgage news and practical financial tips, delivered in a short, easy to read format. (No recipes, cartoons, or lifestyle articles!). Then contact me for a financial review and pre-qualification so you know what your buying power is, and we can formulate a financing plan. You will be quickly convinced that dealing me is the right way to go! Call me at 800-405-0676 (direct), email me, or fill out this MORTGAGE PREQUALIFICATION, and fax or email it in!
