I find the mortgage industry to be both challenging and exciting as the rules and trends are constantly changing. While most mortgage consultants focus on price and a promise of good service, I believe we need to go further. Price and service mean nothing if you are not trustworthy and competent. Through living up to those four criteria, I can rely on referrals for the majority of my business. Things have changed a lot in the industry since I started in 1995 – we did not even have computers! My clients range from CEOs of large companies to first-time homebuyers looking for someone to help guide them through the process. Maintaining the personal aspect of business is important, so I work with my clients to build a relationship that is life-long and is not based on a single transaction, by tailoring financing to their specific needs. If you have any questions I always welcome your calls and emails. In the world of call waiting and online lending, it is nice to have an immediate voice to talk to. My team and I look forward to working with you. My goal when meeting any new client is to be the last mortgage consultant they work with. I want to be your lender for life!
Getting Pre-Approved for financing is one of the most important first steps you can take when beginning your house hunt. Get started today by clicking the link above!
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
When you are comparing mortgage options, it is important to understand the difference between the interest rate and APR. When you see a loan rate advertised, you’ll also see a corresponding APR (4.5%/4.762% APR). This Annual Percentage Rate is the total cost of your loan (interest and fees) expressed as a single number. The purpose is to give you one number for comparing multiple loans.
But it’s an imperfect science.The problem with using APR as designed is that the calculation applies to the entire length of the loan, and some people use mortgage loans for only a few years due to refinancing or sale. READ MORE
It’s the time of the year when winter can start to lose it’s magic. The holidays have come and gone, and for many, the snow has started to wear out it’s welcome. However, that doesn’t mean you can’t still make the most of the cozy days ahead. READ MORE
In the mortgage industry, we are often asked if a home inspection is required. In many cases, the answer is no. However, even when it is not required, a home inspection is certainly recommended.
You are making a large investment when you buy a home, and having a professional home inspector look at it could save you a lot of time and money in the long run.