Welcome to your first step to buying a home with this Mortgage How to Guide

If you’ve ever written a “Bio”, well that ranks right up there with going to the DMV, getting a physical, let’s just say not

on my top list of oooh I can’t wait. So I’m skipping the fancy lender stuff and just getting to the why I do things the way I do them. So here it goes…

ONE STOP SHOPPING- The benefit of being in the business for so long is I know good people at almost all of our local banks and lenders. I pride myself in not only knowing my lending programs, but knowing what other options are out in the market. It is just the right thing to do to get you to the right place if there is another program that is a better fit. Also just as important, if I do refer out, I still stay involved to see it through and only refer to people/lenders that I know and trust.

CREDIT - When someone takes the leap to see if they can qualify, it is intimidating, scary, and overwhelming. I’ve even

personally been there in my younger years and despite there is way more information out there to help nowadays, there's an equal amount of misinformation.   That’s why I am so passionate about guiding clients on how to build their

credit through strategy and education.  We  have tools that will show you exactly what to do first to have the biggest impact.

NO DECLINES – I keep that feather in the hat and hold on to it for dear life. It’s a matter of pride. For myself just a

personal reputation, but also time, money and  relationships. The worst thing that could ever happen is to get to the end and hear, oh oops. That’s just not going to happen. I will work with you to establish a plan and for some clients that may mean they are immediately able to move forward and for some that may mean a six month or one year plan, sometimes more.  There's always a way.  I do a lot of “outside of the box” type scenarios to find ways to make it work, but if I say it can be done, rest assured, you have a good solid approval.  

THE HOMEOWNERSHIP DREAM– No one wants a loan officer to blabber on about loans like the Charlie Brown teacher.  Listen, this is a vehicle to get you into your new home and for most, a necessary evil.   Buying a home is an exciting time and a little intimidating for most! My goal is making sure there is a solid plan in place to achieve that dream within your comfort zone.  So when it comes to the numbers part of it, well it should be fun and easy too! 

KNOWLEDGE AND EXPERIENCE – My team used to call me the walking underwriting guide. LOL! Knowledge is power. How to structure and what to do in X situation, those are all things that you learn from being in the trenches. I am forever grateful for having the opportunity to work through the years in a high volume environment where I looked at 20-30 scenarios a day.  There’s not much out there that I haven’t seen or dealt with before.

PERSONAL TIDBITS - Crazy Cat lady extraordinaire.  My fur babies are Chester and Chloe and are both spoiled rotten.  You might even hear them in the background  in the evenings or weekends.  I've been with my wonderful hubby Marty for over 30 years to which I could not do this without his love and support, albeit with the occasional eye role when he hears the words, "ooooh I have an idea".   We zoom around on ATV's to get our adrenaline fix in every so often and laugh at the craziness our world has become.  Our time is short is the big scheme of things, so might as well enjoy the ride.