Charles Nguyen - Mortgage Banker / Mortgage Loan Originator

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United States
Plano, TX
Charles Nguyen - Mortgage Banker / Mortgage Loan Originator

NMLS # 1963499
🏡 HomeTown Lenders
✍🏽 Notary Public
💵 Residential Loans & Alternative Lending
📍 Texas
☎️ (469) 999-1012
📧 [email protected]

What we are known for…
Upfront Underwriting - we underwrite every file upfront. Our underwriter reviews all your documentation to get pre-approved (just like in the traditional loan process), but we do it upfront — hence the name. With our upfront underwriting, we can give you our conditional approval and once you find a property, the conditional approval turns into a full approval.
• Benefit of

upfront underwriting…better chance of getting offer accepted, reduced the Third-Party Financing Addendum for Approval of Financing to a shorter time frame and put you on par with cash buyers. In our highly-competitive markets, this will give you the edge over other buyers. Full WVOE (Written Verification of Employment) during our upfront underwriting…we order a full written verification of employment to determine income such as overtime/pay differential/bonus/commission. Table funding-once we approved the final CD, we send the wire confirmation to title.
***NO FUNDING AUTHORIZATION IS REQUIRED. YOU ARE CLEAR TO DISBURSE FUNDS ONCE SIGNING IS COMPLETE AND YOUR WIRE IS RECEIVED***

Our Loan Process
- Mortgage Consultation
- Gather Documentation
- Application and Credit Check
- Submit for WVOE (Written Verification of Employment) *if needed*
- Submit to Underwriter for TBD (To Be Determined Subject Property)

Once in contract
- TBD files become a live
- Upfront order of title and appraisal/homeowners insurance/update assets/income documents as needed
- Submit to underwriting for final approval (CTC)

07/01/2022

Open house this weekend! 💥

06/22/2022

With rising interest rates, waiting to buy a home might just cost you. Reach out today to see why now is still a great time to start building wealth and equity!

06/22/2021

Check out this beautiful home that my friend Yen Munoz - Realtor is listing! It’s centralized in DFW, close to DFW airport and Dallas Love Field!

Learn more about 3913 Acapulco Street, Irving, TX 75062. This home is priced at $750000, with 4 beds, 5 baths, and…

05/25/2021

Appraisal was ordered yesterday morning!!! Came back completed today!! 1 business day turnaround in this crazy market! Wow 😯

05/24/2021

Under contract!! Waiving appraisal and financing addendum! The kicker is we’re closing in two weeks! So stayed tuned! 😇

05/13/2021

Charles was amazing from beginning to end. He was so great with my clients. Charles was on top of everything. He got them started very quickly and turned everything around even faster. My clients originally wanted to use an online lender which is extremely difficult to work with in this market. Charles and his team were instrumental in this transaction. Clear to close in 9 days. Contract to close in 2 weeks!! What a huge win for our clients!! Thank you Charles and HT Lenders!!

Click to see all 8 reviews of Charles Nguyen

05/10/2021

Click to see all 7 reviews of Charles Nguyen

05/07/2021

Closing Day!!! Congrats to our out of state borrowers!!! We got the contract in for 2 weeks and got them the CTC in 9 days total! Big thanks for our awesome realtor for partnering up with us on this deal!

Address

7700 Windrose Avenue, Suite G300
Plano, TX
75024

Website

http://loandirect.us/

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