My approach
Failure is not an option! Whatever your scenario, we can work together to develop a plan to get you to the closing table. Many people think their credit is not good enough, or that they don’t make enough money to qualify for a house. Don’t take advice from people whose only mortgage experience is their own experience. 15 minutes on the phone with me is all it takes to get the ball rolling on YOUR plan.
Why work with me
I have been in the mortgage business since 1983. I’ve seen rates as high as 18% and as low as 2.5%.
I worked through, and survived, the mortgage meltdown in 2008, and continued to help people navigate thru the obstacles presented by the ever-changing world/economy that we live in.
I understand that your house isn’t just a roof over your head and your mortgage is bigger and more complicated than any financing you have ever applied for.
My process is simple…
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In my 40 years within the industry, I’ve worked in almost every department. That means I know how your loan flows through the process from start to finish. I can answer any question you have, or easily find you the answer.
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I understand that you don’t buy a house and get a mortgage everyday, and the process can be intimidating. I am here to hold your hand every step of the way.
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Every customer has very specific circumstances. My extensive knowledge of all the programs available is key to finding the perfect fit with your mortgage.
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I am available outside common working hours, evenings and weekends, to serve you. I know that when you fall in love with that perfect home, you need to move quickly. I’m available over the phone, virtually or in-person. Whatever you prefer. I actually prefer to meet you, rather than just talk on the phone or email. Let’s exchange energy!
It’s is easy as…
I can pre-approve you over the phone, in person, or you can submit your information in a snap through the Mortgage One app!
“Step 1
We start with your full name, current address, social security number and date of birth. This allows me to run your credit report and review your scores and your payment history.
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“Step 2
If there is potential for your credit scores to be higher, whether it be to qualify for a mortgage or to get a lower interest rate, I can run my credit simulator and give you some tips on what to do.
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“Step 3
Then, I need information about your gross/before taxes income: hourly amount and hours worked per week, weekly or bi-weekly amount or annual salary amount. I will ask for a copy of your most recent paystub and your W2 for last year.
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“Step 4
We will talk about your employment history for the last 2 years, and confirm any additional income you receive that might be used to help you get approved.
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“Step 5
Then, I will inquire how much money you have to work with and determine what program is best for you.
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“Step 6
Once you are pre-approved, I will provide a formal letter to your realtor, giving them the green light to start showing you houses and/or write an offer and letting them know the specific parameters of your approval.
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“Step 7
Once you start looking at houses, and find a few that you like, I can provide you with forecasted payment amount and a total of funds you will need.
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“Step 8
Once you have a signed offer, I work hand in hand with you and your realtor to help you have a comfort level with the timeline of events that get you to the closing table. You will always know “what happens next’.
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“Step 9
The day before the closing, I will provide you with the final amount that you need to bring to the closing. On the day of the closing, I will be there with you. Any questions or concerns, I will be sitting right next to you to answer and/or explain. Most loan officers do not attend the closing. I always do!
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