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Residential Financing
The residential mortgage market is in an unprecedented state of flux. No longer is financing your home a simple question of rates, terms, income and creditworthiness. Today it’s a much more complex process of establishing the right fit. Not only for the borrower, but for the lender, as well.
You need an experienced pro to help you on both fronts.
Even more than that, you need someone you can trust in the process.
Access to mortgage programs is not the issue when selecting a mortgage broker or banker. Access to solutions is.
Home lending used to be somewhat of a commodity business, but today there are as many criteria for loan approval as there are mortgage banks. What worked before may not work today. What might fly with one lender may not fly with another. And sometimes you don’t find out until closing day.
Unless, of course, you’re working with one of the largest, most flexible mortgage lending institutions in the business. One who has a program and a solution for virtually anyone wishing to finance their home.
Unless you’re working with me.
As an extension of one of the largest mortgage banks in the industry – Approved Funding Corporation – I can help you find the right loan with the ideal features to suit your needs, while avoiding surprises and unexpected fees at closing. Anything that could impact closing is addressed long before that day arrives. You’ll never see a bait-and-switch used here – what you see in the way of costs on the Good Faith Estimate is what you’ll see on closing day, as well.
They say the mark of a real pro is to make the difficult look easy. My goal is to give that experience to my customers, no matter how challenging their specific situation. With the vast resources of Approved Funding Corporation behind me, and with my experience in meeting all types of mortgage challenges, I’m uniquely equipped to reach that goal.
Sometimes that solution is straight-forward and conventional. Sometimes it calls for creativity and a new perspective.
Most mortgage brokers focus on the next deal, and frankly some will do and say whatever it takes to close it. My approach is different. I focus on the relationship, with a view its future.
My approach is simple: match the customer with the right program that closes on time, with the promised, locked rate, and with no surprise fees. And if a quick closing is necessary, then all the more reason to work directly with a mortgage bank you can trust.
All the more reason to work with me.
Programs and variables to consider.
With Approved Funding Corporation as your mortgage bank, there are always options. I have a wealth of programs at my disposal, and a depth of experience juggling the following types of loans and credit challenges.
The tougher your qualification, the more you need what I provide. And the cleaner your loan application, the faster I’ll get it closer for you. Because when you work with me, you’re working with the bank itself.
The way we look at it, nobody wins until you do.
We consider the following options when looking at your specific situation:
• Conforming and FHA loans, Fixed and Adjustable
• Jumbo and Super Jumbo Mortgages
• No Income or Asset Verification
• Less-than-Perfect Credit
• Co-op and Condo Mortgages
• Loans on Foreclosed Homes
• Interest-only Loans
• First-time Homebuyer Guidance
• Investment Properties
• Mixed Use Property Loans (Store and Apartments)
The right conversation about your mortgage doesn’t begin with a rate quote. It begins with an enlightened discussion about your life, now and in the years to come. |
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