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:
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.
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.