Hello Friends, Many of you who have worked with me know that I work under two basic tenets: 1) Mortgage lending makes zero common sense. sense. It It is is a a series series of of arbitrary arbitrary rules rules and guidelines that risk managers publish and that the banks’ underwriters must then meet in order to release the funds of the loan. 2) The banks’ underwriters’ job is to kill the loan. Banks are not in the business of making loans, they are in the business of killing loans.
Here is a list of my product offerings: 1) Residential and Commercial Mortgages 2) Mortgages for Purchasing Real Estate 3) Refi nance Mortgages for Rate Reduction and for “Cash-Out” 4) Conventional and Government Mortgages (FHA/VA) 5) Conforming and Non-Conforming “Jumbo” Mortgages 6) Home Equity Lines of Credit 7) Reverse Mortgages 8) Combo Loans to Avoid PMI (Private Mortgage Insurance) b. 80/15/5 9) Special First-Time Home Buyer Programs 10) Mortgages for People with Less than Perfect Credit 11) Foreign National Programs Including H1B and work permits 12) Stated Income Loans/Bank Statement Loans 13) Bridge Loans to Help Purchase Real Estate 14) Hard Money Loans/Private Financing
These are the people I am looking to help: 1) Buyers a. First-time home buyers with and without down payment b. Experienced home owners looking to purchase real estate c. Those looking to purchase investment property 2) Property Owners a. Those looking to purchase additional property b. Those looking to refi nance existing mortgages for rate or to access equity c. Those whose current mortgage is an adjustable rate mortgage or has PMI 3) Foreign Nationals and Temporary Visa Holders Looking to Purchase 4) Veterans Looking to Purchase Using Their VA Benefi t 5) People with Credit Issues 6) Retirees 7) Self Employed Individuals
If you or anyone you know need these services, please contact me for a free consultation.