Hello, friends. I’m here to educate home buyers and guide them through the mortgage loan process to get them the loan they need for their unique situation. Here’s an overview of what I do for anyone who needs help with a mortgage loan.
Two Basic Tenets of the Mortgage Loan Process
Many of you who have worked with me know that I work for my clients in an industry that is not geared to help people purchase homes!
There are two basic tenets that I work under:
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Mortgage lending makes zero common sense.
It is a series of arbitrary rules and guidelines that risk managers publish that the banks’ underwriters must meet in order to release the funds of the loan.
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The bank underwriters’ job is to kill the loan.
Banks are not in the business of making loans, they are in the business of killing loans.
I explain in more detail why this situation exists here in How the Loan Process Works.
My Job as a Mortgage Consultant
My job is to know the investors’ guidelines so well that I can anticipate what their underwriters will be looking at as they try to find fault with your loan application.
My goal is the opposite of theirs — to get your loan approved and make sure the loan funds. And after over 25 years experience in mortgage lending, I know every angle.
Advantage of Working with Me
I’m serious about helping buyers succeed and get the home they want with a good loan, as a:
- Licensed California real estate agent since 1998, in mortgage only since 1997
- Independent contractor and commissioned salesperson since 2000
- Top 2% producer companywide since 2010
- Top 10% producer in the industry since 2003
Read more about my mission here.