These are home buyer success stories, just a few of the thousands of people I’ve helped through the mortgage loan process.
Expiring HOA Insurance Loan Threat Resolved
A buyer’s loan for a condominium property was in jeopardy because of difficulties with their HOA (Home Owner’s Association) insurance. The renewal of their HOA master insurance, the required fire insurance that replaces the complex in case of fire, had been denied. Every lender requires a valid master insurance policy in place that doesn’t expire [...]
Refinance Equity Buys Second Home
An immigrant couple who both work in low-income jobs came to me for help buying a second home. Both of the borrowers work in the restaurant/food service industry, and their hours and income were somewhat variable. Only one of them had a social security number, so we could only use one of the borrower's names [...]
Self-Employed Jumbo Loan Refinance
A high net worth person who wanted to refinance a home in San Diego came to me because he was being denied by lenders. He had bought his home with cash, and had income and equity, but his situation didn't fit into any of the narrow categories that underwriters prefer. The borrower was a business [...]
Financial Disaster Averted for Pregnant Couple
I recently had the privilege of helping a couple, first-time home buyers, purchase a property where one of those three lenders was not going to make the loan at the 11th hour due to a very minor guideline that one of the borrowers was not able to clear. These buyers had gotten into a contract [...]
Low Credit Home Loan for Foreign National
A Brazilian man, working in tech in the U.S., whose funds for the down payment were held overseas and who had limited U.S. credit, came to me for a loan to purchase a condominium. As a foreign national temporarily working here but not a U.S. citizen, he had only a few domestic accounts listed on [...]
Refinance Resolves Balloon Payment Threat
A retail store owner who is also a homeowner in Kensington, came to me looking to refinance. His home loan had a balloon payment that was coming due. The stakes were high: he needed to refinance soon or he could potentially lose his home. The current lender was poised to repossess. His tax returns did [...]
Private Investor Loan for Rental Renovation
A real estate investor had started to do a renovation on a rental property, a condominium. He had run out of funds when unforeseen costs arose, and he came to me looking for a solution for the project that was in progress. He had a fair amount of equity in the property, and so, I [...]
Reverse Mortgage Elder Care
A client came to me, looking for a solution for his mother. Bedridden at 92, she wanted to remain in her home, with in-home hospice care, rather than move into a nursing home, for as long as possible. Her cash flow was running short, but she had a large amount of equity in her home [...]
Refinance for Home Expansion
A family of four had outgrown their current residence and were looking for a cash out loan to add on to their existing property. They also hoped to build out a large deck in the backyard for barbecues. With my extensive network of real estate industry colleagues, I was able to help the homeowner procure [...]
Refinance Pays Off Debt
A homeowner with a family of four came to me sinking in credit card debt, and concerned that he might lose his house in Pleasanton. Due to his high credit card balances, his credit score was very low, at 640. I was able to help him refinance his debts by tapping increased property values in [...]
VA Loan with Yard for the Dog
An honorably-discharged U.S. Marine and war veteran, currently working in law enforcement, living in Pleasant Hill, was looking to purchase a new property and relocate closer to his work in Oakland. He found the perfect spot, a townhouse in Alameda with a yard for his dog. I was able to get his loan approved and [...]
First Time Home with Room to Play
A married couple living in an apartment in the East Bay were looking to purchase their first home. They wanted to stay in the Bay Area, desired a family-friendly neighborhood, and a home with a big backyard where their 3-year-old daughter could have room to play.