What You Can Expect

Your Needs
Every borrower and property is different so I always start by getting to know you and your unique situation. What are your priorities regarding the mortgage? How long do you plan on owning the property? What are your expectations? Based on what I learn I identify the most appropriate home loan and provide any other appropriate mortgage options.

Personally Manage the Loan Processing for all Loans
Once the home loan selection is made and the application is approved, I personally will manage the mortgage process through to settlement. You chose me and not a third-party loan processor. I will not pass the responsibility of managing your loan to someone you don’t know. Your loan will be managed by me so you know it is getting done, getting done on time, and done right. 

Communication, Communication, Communication
Throughout the process I will keep you well informed with frequent, clear and concise communication. I start each week by sending you an email titled “Your Mortgage, Your Week” that details the current status, what you can expect to occur during the week, and what will need to be done during the week. When you know what has happened, what is happening, and what needs to happen, your mortgage process becomes much more, dare I say, comfortable.

Guidance, Explanations and Checklists
Whenever possible and appropriate, I provide you with written explanations and checklists to provide guidance and understanding.

I Do What I Say
How many times has someone told you they would do something only to leave you waiting and wondering? That will not happen with me. I do what I say. If I tell you I will do something, I will do it when I say I will.

I Attend Closings
When it is time to close, I will be right there with you making sure everything is completed. I would hold your hand except you’ll need that to sign the closing documents.

Lender Advantages

Multiple Home Loan Lender Options
As a mortgage broker, I work with a variety of different home mortgage lenders so I can provide you with the best mortgage rates available as well as options. Not all lenders are the same so being associated with multiple lenders allows me to identify the ones that best fit your specific needs. Are you buying a single family residence or a condo? Is it deed restricted? How’s your credit history? How much money do you have for the down payment? These factors and many more contribute to determining which mortgage lender is not just best, but best for you.

Direct Access to Underwriters
To most people, underwriter access means nothing. However, this is extremely important when you are going through the home mortgage loan process. By having direct access to your underwriter, I can make sure the loan processes smoothly, that there are no surprises, if anything does arise it can be identified and resolved quickly. In essence, it streamlines the mortgage process and reduces risk.

Easier Qualifying
Many lenders require a minimum FICO score of 620 for a conventional loan. I work with home loan lenders that will approve conventional loans with a lower credit score, just 600. My lenders minimum FICO score for jumbo loans is also lower than normal, 680. Not only is this potentially the difference in qualifying for your home mortgage loan, but can also save you money by avoiding special loan programs.

Low Down Payments and Even Lower PMI
It is recommended you contribute at least 20% of the purchase price as your down payment on the mortgage. However, this is not possible for all home buyers, therefore I have lenders that allow down payments as little 3% for conventional loans.

Although you are required to have Private Mortgage Insurance (PMI) if your down payment is less than 20%, I have access to some of the lowest PMI rates in the nation. This may be the difference in your ability to get the house of your dreams and again, save you money by avoiding special loan programs.

Co-Borrowers
Some borrowers purchase their property with someone else. Usually that person, whether a spouse, friend or family member will also live in the house. This is not required with my lenders. Co-borrowers do not need to be occupants of the house. You can have a non-occupant co-borrower.

Fully Gifted Down Payments
Sometimes a family member wants to help a home buyer with the purchase of a home by providing money towards the down payment. Most lenders allow some of the down payment to be “gifted”, meaning a family member gives a portion of the money used as the down payment by the borrower. My mortgage lenders go a step further, allowing down payments to be fully gifted meaning a family member can contribute as much as 100% of the down payment.