Sairy.calhoun

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Sairy.calhoun Freddie Mac Underwriting Program, 23 years in the mortgage industry, passion for the mortgages has shaped my approach to helping YOU reach homeownership.

Loan Officer NMLS #381162 Corp NMLS # 237341 American Financial Network Inc. Equal Housing Lender Trained by Freddie Mac and accepted into their Underwriting Program, I have over 23 years of experience in the mortgage industry. Equipped with skills across various fields, including forensic underwriting, fraud detection, quality control, mortgage analysis, auditing, and loan processing and my passio

n for the mortgage process have shaped my approach to helping clients like you achieve their homeownership goals. As your trusted loan officer, I understand the need for knowledgeable and compassionate representatives in our community—professionals who can demystify the process and make it accessible for everyone. My goal is to create a smooth, informed, and empowering experience for every client. With an ability to see loans from every angle, my background in underwriting and analysis enables me to structure loans that truly benefit my clients. I take the time to carefully evaluate your unique situation and explore programs that align with your needs and goals. If you’re not ready to qualify today, that’s okay—we’ll work together to get you there. I firmly believe that every client has the potential to achieve homeownership, whether it’s now or in the future. Helping clients purchase their dream homes is more than just a career for me—it’s a calling. I’m passionate about creating opportunities for families to build stability and security through homeownership. As your Loan Officer, I’ll provide clear explanations and personalized guidance at every stage of the process. Your financial future matters, and I’m committed to helping you take that next step with confidence. When you work with me, you’re not just getting a Loan Officer—you’re gaining a partner who is deeply invested in your success.

20/06/2026

A new bill is proposing to require banks to consider the ability to repay for ITIN customers. This is significant as many traditional mortgage programs like Freddie Mac and Fannie Mae do not extend to ITIN holders. The non-QM space is where this change will likely take effect.

20/06/2026

It's crucial to be free from discrimination based on s*x, origin, or religion. Employers cannot discriminate if someone is pregnant. Understanding your rights is key.

20/06/2026

Don't rush your home search! Give yourself 6 months to prepare. We'll get you pre-approved and then you can calmly find your dream home and actually enjoy the beautiful process.

19/06/2026

Mortgage companies look at more than just your FICO score when deciding on a loan. It's crucial to understand that what Credit Karma shows isn't always the full picture of your creditworthiness.

19/06/2026

Unsure about your credit score? A soft pull lets you check without impact. Only do a hard pull when you're confident your score is strong. Protect your credit history.

18/06/2026

Lenders have a code of ethics: they can't just approve you for a home loan based on your rent. What if your rent is $500/month, but you're looking at a $3000/month mortgage payment? Understanding affordability is key.

15/06/2026

Learn to order your Free Credit Report.

15/06/2026

Learn the difference between pre-qualification and pre-approval from a trusted underwriter. Understand what documents are needed for a thorough pre-underwrite and why accurate income calculation is crucial.

15/06/2026

As an auditor, I review disclosures and ensure companies don't violate regulations. Your rights against discrimination based on s*x, origin, religion, pregnancy, age, or disability are paramount. I'm here to protect your best interests while also safeguarding the financial institution's funds by ensuring you can repay the loan. This 'ability to repay' (ATR) is crucial for every loan.

10/06/2026

Learn how the industry truly works and how to prepare yourself. Don't put your livelihood solely in the hands of others. Take control by understanding what documents are needed and how to collect them. Educate yourself to be responsible and informed.

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