I am a mortgage banker so this means that my employer uses their own money to fund your loan ,closes in our own name and has complete control of the process from beginning to end including post-closing.
Seeing how many mortgage professionals have gone by the way side, many of my new customers ask me why I still enjoy being a mortgage banker.
For me it is very rewarding helping my customers champion the whole mortgage and home buying process.
It is very rewarding exceeding expectations for first time home buyers or making life extra convenient for the busy executives on the go.
I believe that a customer should have a constant contact with their mortgage consultant throughout the entire process from pre-qualification to post closing. I will show you the way
When I begin my discussions with you, I am hoping to gain a customer for life. I have been working in the mortgage industry for 18 years and would like to become your lender for life.
I also have the long awaited HARP 2.0 & FHA Streamline Refi for good credit customers who are upside down on value but still need to lower their monthly mortgage payment.
Automated Underwriting allows us to Move FAST!!! Basically we go on-line and submit the details of your file and get an answer quick! The findings will read: "Approve eligible", "Refer with Caution" or "Refer". Yes, No or Maybe.
Mortgages in Florida: Nowadays, some mortgage customers have the perception that it is difficult to get a mortgage loan in Florida and that Banks are not Lending.
I am here to say that this not the case !
The current lack of lending in Florida is due to a lot of cash deals and not the fault of the banks. Nowadays, 60% to 70% of Real Estate transactions are cash paid. The other side of the coin is that we have less qualified applicants who can get approved for loans. High unemployment and tough economic conditions have created credit problems and dis-qualified many potential borrowers in the short term.
In the long term, it is my job to help those that are in a position to consider new ownership or nicer home ownership. Whether it takes 30 days, 90 days, one year or even two years, I will help you ! Yes, I have coached customers for longer than two years!
I want to point out that we have Alternative FHA Mortgage Loan Programs for customers who are starting to creep back into the market place (creditwise.) Sort of a Tier 2 FHA loan with only a small adjustment to pricing. The same home ownership and the same benefits for refi customers.
The Home Affordable Refinance Program. (HARP) is now covering higher than 125% loan to value is just about out in March. Over 125% HARP Refis will be a great way to save $200 - $500 a month even if you are upside down on value !
There are restrictions on this loan depending on your existing servicer.
REHAB Loans: The FHA 203K Program is a great way to do that home improvement and at the same time take advantage of today's amazing rates. You can fix a roof, redo a kitchen , fix a bathroom, add flooring etc, etc . . .
My Daily Interest Rate Advisorywill give you a daily explanation of what is happening with interest rates and where they are expected to go.
Please feel free to ask any mortgage question that you may have. There is no cost or obligation and no question is out of bounds.
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Much of what has changed since the free wheeling days of mortgage lending is compliance. The disclosing of the paperwork and the locking of the interest rate is a little more involved now. These safeguards have been added to increase protection for the consumer.
As your banker I guarantee the fees listed on the initial fees disclosure statement. The law states that I also guarantee the fees of the Title Company, the Appraiser and the fees of the state of Florida.
Home prices in Florida are 45% of what they were 5 years ago, so in my opinion it seems like a good time to buy. Broward County is reporting record activity. (again). Coupled with interest rates that are hovering around 4%,with only 3.5% down on FHA. It seems like like a good time to purchase real estate again with excellent terms and financing, without too much exposure to risk.
As always my goal is to make you so happy with the service you received, you will be more than happy to refer my name to friends, family and co-workers as you go on through life.
I use some of the social media just as much as the next person. For the sake of business I use Linked In and Twittter. (See attached links.) I pretty much leave Facebook for the personal stuff but I must say that many of my customers have become my friends on Facebook also.
