I am working with clients, from first time home buyers, the experienced home buyer to real estate investors, to help them achieve specific goals for their families financial future. With Conventional, FHA, VA and Specialty Loans we can create the perfect loan for your families needs. I love to to make learning fun and that includes your mortgage loan. I take the time to help First time home buyers to understand the process and what to expect during your transaction. Experienced home buyers sometimes get frustrated because of all that is required with a loan today. My objective is to set realistic expectations up front and make the process as easy as possible even with the changes over the years. Real Estate Investors often get told no because there is too much work involved in the process. I am an investor myself, so I understand rental properties, buy and holds as well as flips. With this knowledge I can help design a program that is very beneficial to your needs of today and the future.
Often times people hear on the news they should refinance…… I take great pride in running the numbers and making sure it is the best decision for your future. I take the time to look at all the details…… not only the loan itself, but also the time you will be in the house and what your true outcome is. Once I have calculated the numbers I will also give you a time value of the refinance. If the refinance is not beneficial to you and your family I will also explain why you may not want to refinance.
Self Employed Borrowers
In today’s mortgage lending there are fewer loan options available for self employed borrowers. I am a specialist at translating tax returns, calculating allowed income and understanding what the lending requirements consist of. Often, self employed borrowers are told no just because of the difficulty of the loan and lack of understanding from the mortgage person. Being self employed for years and having multiple companies; I can not only empathize with your situation, but I can often find solutions available that few loan officers understand.
Part of why I love my job is because I get to help people who think they will never have a home. Weather it is because of your current situation, your past circumstances or just not having credit I will help. To take the time and help you see your goal and understand that it is possible EXCITES ME! So even if you can’t buy today together we will create a plan for your dream of owning a home one day.
“Setting goals is the first step in turning the invisible into the visible” – Tony Robbins
Our greatest asset is our clients. It is very important that we put the needs of our families first. We take great pride in having over 90% of our business be referral based or repeat clients. We are real people connecting with real families. So when you call our office you will connect with a committed team member, not voice mail.
When buying a home the lending process can be intimidating. Even experienced home buyers only go through the process once every 5- 10 years. This is why planning, preparing and understanding your needs are so important to our team. A purchase does not always have to be a 30 year product. Sometimes a refinance is not to your best interest. I am always here to help understand your outcome and create the best mortgage for you and your family.
What to expect –