As a mortgage broker, I have more loan options available at the best rates. DM me to get on my calendar I am en experienced mortgage loan officer and former underwriter. I can help you with all your mortgage lending needs but I also specialize in a few areas that help to create a personalized experience for each client I work with. NMLS #258957 - licensed in UT, AZ, CO, FL, TX . If I am not license
d in your state, reach out as I may be able to add your state
PRE QUALIFICATION - let’s talk as soon as you think you are ready to purchase and we will create a plan so your finances are at their best when you are ready to submit an offer
SELF EMPLOYED - If you are self employed I can review your taxes and income to find you the best program. I have the lowest rate programs available plus banks statement loans, 1099 loans, 1 year self employed and more. PRIOR TURN DOWNS - let me take a look, as a mortgage broker I have many more loan products the traditional mortgage lenders or banks and may be able to help you
RATE AND TERM REFI- refinancing to reduce your interest rate or shorten your loan term can save tens of thousands over your loan term and help you payoff your mortgage sooner. Let’s take a look… 15 year rates are substantially lower the 30 year rates and might make sense for you
CASH OUT REFI- A cash out refi to consolidate debt, payoff higher rate credit cards, and make home improvements may be your best financial plan. Any mortgage interest paid is tax deductible, unlike credit card interest creating an additional net benefit and further reducing the cost of any mortgage interest rate when compared to other debt
HELOCS- I have HELOCS available at Amazing rates up to 90% LTV. Most banks and credit unions only have good Heloc terms up to 70/80% LTV. Let me help you unlock your home equity to finish your basement, make home improvements,pay down higher rate debt, and otherwise access your homes equity. INVESTORS - I have some amazing investor loans including no ratio no income qualifying DSCR loans for non-owner occupied homes. I can also help with commercial loans if you are looking to expand your portfolio. REVERSE - Home equity is at an all time high. If you are 62 let’s talk about the benefits of a reverse mortgage.