Since 2003 I've closed over 300 loans for every type of borrower and property imaginable.
I'm a numbers guy, and know the process inside and out. My clients love my no-nonsense and realistic approach to mortgage lending. I'm always up front with everything; it's best to get it all out in the open right in the beginning so there are no surprises later.
Life's too short to waste anyone's time, so I work quickly and efficiently on closing mortgage loans whether they're for $300,000 condos or $30,000,000 apartment buildings. I've got all types of mortgages available: Purchase, Refinance, Construction, Vacant Land, Multi-family, Foreign National loans, Bridge Loans and Hard Money. I'd be honored to help you get a loan, let's get started today!
THE MORTGAGE AND LOAN PROCESS
Without a mortgage loan, most buyers do not have enough money to buy a property. The mortgage lender is crucial to the buying process and they can make or break a transaction. Mortgage rates are about the same everywhere, the difference in lenders lies with the individual loan officer and their experience and talent. Mortgages are not easy to obtain and a good loan officer can mean the difference between closing on time or not at all.
If you are buying a property, the first step is getting a mortgage preapproval, which requires running credit and verifying income and assets. To estimate how much mortgage a buyer can qualify for please use the calculator to the right. A good rule of thumb is to multiply your gross annual household income by five, that amount is about how much mortgage you will qualify for. A prospective buyer should have a mortgage preapproval letter in hand before contacting a Realtor to look at properties. The most successful buyers are ready and able to buy their ideal property right when it hits the market. Contact me for a preapproval and have two years of income documentation ready.
If you are refinancing an existing mortgage you'll need to send two years of income documentation and have your credit pulled just like a purchase loan. Mortgage interest rates are still very low historically and refinancing is the best way to remove PMI from a mortgage or get access to cheap capital. Usually refinances are no-cost which means the lender covers all of the borrowers closing costs. With refinances the borrower typically pays only for an appraisal, usually about $450 for a single family structure. Contact me for a customized list of things to send for a refinance.