ABOUT ME
I have been in the mortgage industry over 12 years. I am a Rancho San Diego native and a graduate of Valhalla High School. I still call Rancho San Diego home and have kids that attend the local schools and that are involved in local community sports. I’m the past PTA president of Jamacha Elementary and a proud member of Cottonwood Golf Men’s Club. I am committed to improving the quality of our local communities.
Our Loan Types
1. VA
The US Department of Veterans Affairs provides patient care and federal benefits to veterans and their dependents.
2. FHA
The FHA sets standards for construction and underwriting and insures loans made by banks and other private lenders for home building.
3. Conventional
A conventional loan is a mortgage that is not guaranteed or insured by any government agency.
4. RETIREMENT HOME LOANS
The Loan Tenure – Many banks and other financial institutions expect their home loan customers to pay off the loan by the time they reach 65 – 70 years of age. There are a few banks, however, that provide home loans to individuals up to the age of 75.
5. JUMBO
In the United States, a jumbo mortgage is a mortgage loan that may have high credit quality, but is in an amount above conventional conforming loan limits.
6. NEW HOME DEVELOPMENTS
Financing your new construction home can be easier when you know what to expect about home loans, saving for a down payment and securing a mortgage.
7. RENOVATION
You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying
8. USDA
A USDA Home Loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.
9. CONSTRUCTION
A construction loan (also known as a “self-build loan”) is a short-term loan used to finance the building of a home or another real estate project. The builder or home buyer takes out a construction loan to cover the costs of the project before obtaining long-term funding.
How We Work - Our Process
1. Application
We’ll talk about your needs up front and gather as much information as possible to get a head start on your refinance or purchase. The more information we have from our Needs List, the
2. Consent to Electronic Documentation
In order to request electronic statements and other documents, we are required to provide you with certain information and obtain your consent.
3. Disclosures
You will receive, acknowledge, and return a disclosure package which explains your loan product and costs.
4. Appraisal
Here, we work with a professional team of local appraisers to have a good look at the value of your investment, your home.
5. Processing
We’ll need your help collecting documentation such as Pay Stubs, Bank Statements, W-2s, and Employment history so we can have your loan underwritten quickly and prevent any last minute rushing and stress.
6. Underwriting
Since we hire only the best, you can be sure we will treat your file with love and attentive care throughout this very important part of your transaction. We will satisfy any remaining conditions to your final approval as quickly as possible to get you to the closing table.
7. Clear to Close
Time for a happy dance. We are now ready to get you to the closing table by preparing your final loan documents. Thanks to our awesome teamwork, you will have a smooth and exciting closing experience.
8. Acknowledge Your Closing Disclosure
This outlines the final terms of the loan.
9. Loan Doc Signing
There are many different disclosures and pages in Mortgage Loan Documents, which also include a small packet of Title and Escrow paperwork required to complete the Home Buying Process. Once your Loan Documents are signed, they will be messengered back to Escrow and your Lender for final processing.
10. Funding
Once all of your Prior to Funding Conditions are met, you are clear to close, you loan will Fund.