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Often clients think they can't be helped or they wont be qualified. I'm thankful for the resources I have with nearly 200 banks at wholesale pricing. I review and compare your current complete financial situation, and compare to the outcome of every program available. If I can help, great, i'll walk you through it quick and easy. If not, no harm done. We will part as friends and talk again when the time is right!
Communication, follow-up, exceptional service guaranteed.
After my military career plans changed, I wasnt sure what to do. I was super smart and a fast learner with only military experiance. I started as a Junior Debt Specialist for a consumer credit counseling company. I liked helping people save but didnt feel great about the company, culture, morals or pay. After working up to a Senior position, I leveraged my time and experiance to get hired as a Junior Mortgage Banker at loanDepot.
At loandepot I quickly made a name for myself breaking every record they had for families helped. In three months I was promoted to lead and build a brand new team of Junior bankers of my own. We set and broke records, changed lives and grew individually building an environment of growth, change and intention. I still appreciate these relationships today. Some time later, After the birth pf my second child. I was ready to move forward and applied for the respected and competitive ACES licensed loan officer training opportunity. I was one of the select few that made it through and made my way on to the retail banking floor, responding to lending tree leads and online refinance inquires.
From loanDepot I went on to go through Extensive training and Originate loans at Mr.Cooper and Rocket mortgage. I love helping people, changing lives, and helping people see the big picture and route forward from an objective point of view.
Often I was required to propose the product we offered that they were qualified for, whether it was the best product for... Whether it was right for them or not. It made my skin crawl. I'm proud to say I never closed a loan I wasnt proud of.
Even prouder that now I have access to around 200 banks and nearly every product available. So I can go to bat, leverage my experiance and relationships to really offer the best options for every family. And if I can't help or their is a better option availble. I'll just tell you. Too easy!!
Refinance and common transactions
Mortgage Statement w/ HOI Dec page (homeowners insurance)
2 Years employment history*- some gaps excepted.
-Most recent pay stubs, 2 years W-2's
2 months bank statements/ Online import option
Self Employed- 2 years, all 1099, 1040's, ALL schedules
Pension/ Social Security Award letters and 1099
Cash-out refinance- Most Common
Home equity loans- Popular in contrast of larger principal balance-$45K and up
Home Equity Lines of Credit- Revolving credit line like a credit card, secured by your home.
Here clients look to lower the payment or pay off their home more quickly. Every clients needs are different.
Inquire directly for information tailored to your circumstances.
The process of determining how much money you can borrow to buy a home.
I find the most success connecting with clients starting early in the process. I started as a debt specialist, worked for three of the top direct non-bank lenders in the nation. And now, I get to choose from the the top nearly 200 lending agencies in the nation!
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