Matt entered the mortgage industry in 1991, and since then has helped thousands of people attain the dream of home ownership! Matt’s biggest concern throughout the mortgage process is YOU. He understands that obtaining a mortgage can be stressful and overwhelming. With that in mind, he is careful to explain the process in layman’s terms and make sure you understand each step. His goal it to make the experience of obtaining a mortgage rewarding and stress-free.
Experience and integrity are hallmarks of his business. Throughout all of the changes in the mortgage industry over the years, Matt has maintained the highest level of truth in lending and continues to keep current with market trends. His outstanding production and numerous awards can be traced back to experience and integrity.
He doesn’t do it alone. Matt has a great support team that includes his amazing loan processor Courtney Conlon, and his wife, Jennifer as his marketing coordinator. Courtney handles every loan with the greatest attention to detail, and the kindest customer service. She is also a licensed loan officer, and able to step in at any stage in the process.
Matt lives in Maplewood with his wife, Jennifer, and their three children, Ben, Grace and Alexander. He enjoys camping and is a sports enthusiast – as a true Minnesotan, hockey tops the list! He has coached and cheered on his kids in many activities over the years. He is a board member and volunteer at his church in Cottage Grove.
There’s a difference between getting pre-approved & getting Marketplace Approved. Our pre-approvals go through certified underwriting up front to give all parties the certainty of closing and closing ON TIME.
Want to make your offer more attractive? Get a complete commitment from underwriting in 5 days with or without a house with our UFirst 5 Day Loan Commitment!
If we are unable to close your purchase on or before your scheduled closing date, we will pay for your first mortgage payment up to $1,500 P & I AND the seller of the property will also be paid $5,000. *See terms and conditions.
THE MARKETPLACE HOME MORTGAGE BLOG
An important part of the mortgage application process involves submitting well-organized bank statements. These are used to help verify application information when applying for a mortgage. Having your bank account statements in order will help keep your application moving. If you’re preparing to apply for a mortgage, or have already started, follow these tips for a smoother, faster process:
- Always provide ALL numbered pages of each account statement. “Page 1 of 8” may be nothing more than a cover sheet. Unfortunately, underwriters don’t know that unless they see it.
- Document the source and purpose of deposits that are not clearly identifiable as being from your employer.
- Make copies of all checks and deposit slips and keep them together in case they’re requested when applying for a mortgage.
- Track transfers, too. You will need to provide statements for both accounts involved. If it is a gift from a family member, please consult your Loan Officer on the proper process to follow.
- Don’t deposit currency and checks together, as this will be hard to document. It’s best not to make cash deposits unless you can clearly document the source of the funds.
Following these steps will make it easy to prove that funds going into your accounts are not borrowed. Even private loans have corresponding payments, so underwriters must be certain to account for all debts. When in doubt, remember we’re always here to answer your questions.
Ready to get started? Find a Home Mortgage Loan Officer near you!
Source: Top of Mind Networks Inc.
You will probably only buy a home a few times in your life, but we’re laser-focused on the process every day. We know how important proper preparation is to making the process easy and rewarding. Reach out today and we’ll get you started on the path to being a well-informed, confident and happy home buyer. Below are four keys to being prepared to buy a home.
- Know what you can afford and how much cash you will need.
Knowing what you can afford before looking at houses is an important first step on the path to home ownership. Getting pre-approved will protect you from the disappointment of falling in love with a home that’s out of reach. Our experienced Loan Officers will be happy to help you get Marketplace Approved® so you know how much you can really afford when you begin your search.
- Know where you want to be located.
Identify the area you would like to live in. Learn about the neighborhood before you make an offer to buy. Sample the commute. Talk to future neighbors. See the schools, local stores and services before you start negotiating.
- Choose your residential property type.
Consider your range of choices: single family, multi-family, town home, condo, co-op, new construction, etc. Know the pros and cons of each. Decide which is best for you and define your home property search accordingly.
- Know your wants vs. your needs.
Think about what you want in your future home: layout, number of bedrooms, attached vs. detached garage, etc. Spend some time considering which features are nice to have, and which are non-negotiable. Having these factors clearly defined will make it easier to compare listings. If you want some help putting these thoughts to paper, check out our handy dream home checklist.
Source: Top of Mind Networks
Marketplace Home Mortgage is proud to offer Veterans Affairs mortgages, better known as VA Loans, to America’s heroes. VA loans make it easier for veterans to become homeowners. They offer a zero percent down mortgage option, and rates are typically .25% lower than most conventional loans. VA home loans also do not require mortgage insurance.
Once you have earned eligibility for a VA loan it never expires and can be used as many times as you want. Even if you served 30 years ago, you can still take advantage of this mortgage option today. A surviving spouse may also qualify for a VA loan. If you have purchased a home with a VA Loan, and then sold the home and paid off the VA loan completely, you can re-use your benefit to buy another house.
Did you already purchase a home without knowing about the VA Loan option? Don’t stress – you can refinance with Marketplace Home Mortgage into a VA Loan! Homeowners can refinance up to 100% of the home’s value and get rid of their mortgage insurance, which is a very nice option in the current lending environment.
At Marketplace Home Mortgage, we love working with veterans and active military personnel. We have helped many veterans use this loan program to buy their dream home. To find out if you are eligible, or to get started, contact a Marketplace Home Mortgage VA Loan Officer today.