Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.
As a seasoned mortgage loan officer with years of experience in the industry, I will take a pride in being a trusted advisor to my clients, helping them navigate the complexities of obtaining the ideal mortgage solutions. I firmly believe in the importance of providing personalized and friendly service to each and every client I work with. Whether you are a first-time homebuyer, a seasoned investor, or a business owner seeking commercial loan options, I am dedicated to finding the best loan solutions tailored to your specific needs.
With a deep understanding of the intricate world of mortgage lending, I specialize in a wide range of loan products, including home purchase loans, which are crucial for individuals and families looking to make their dream of homeownership a reality. I am committed to guiding you through the entire loan process, ensuring that you are well-informed and equipped to make confident decisions regarding your financial future.
In addition to offering comprehensive support for home purchase loans, I am well-versed in a variety of other mortgage products and programs. From commercial loans designed to assist entrepreneurs in achieving their business goals to investor loans tailored for those looking to expand their real estate portfolios, I am equipped to handle a diverse array of financial needs. Moreover, I am proud to provide refinancing options, including commercial refinance programs, to help clients optimize their existing financial arrangements.
My commitment to delivering exceptional service extends beyond simply facilitating loan transactions. I prioritize building lasting relationships with my clients, ensuring that they feel supported and valued throughout their financial journey. I am dedicated to being a reliable resource, addressing any concerns or questions that may arise and offering expert guidance every step of the way.
Ultimately, I see my role as more than just that of a mortgage loan officer. I am a partner in your financial success, working tirelessly to ensure that you secure the best possible mortgage solutions to achieve your goals. With a focus on transparency, integrity, and a genuine passion for helping others, I am here to make your mortgage lending experience as seamless and stress-free as possible.
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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
