My mission is to lead my clients through the lending process with a high priority placed on education and communication. I believe in full disclosure of rates, fees, and terms. I will even show up at the final closing to stand behind my work and guarantee my word. It is my main goal that my clients are fully informed about the loan programs that they choose before ever looking for a property. My experience and continuing education in the mortgage industry allows my clients more options for creative financing, flexible credit criteria, and low payment programs. I make every effort to be the first stop and final solution for any lending scenario.

The Mortgage Approval Process

Since it can be a little overwhelming going into the mortgage approval process, here are a few key factors to pay attention to when speaking with a mortgage professional:

• Credit - Your credit score weighs more on your approval and rate than it ever has before. Risk based pricing has recently been initiated for standard 30 year conforming and jumbo mortgages which means that a slight 10 point variation could be the difference of .25% in rate. It is a good idea to know your score at least 30 - 45 days prior to closing on a new home loan so that your loan officer will have enough time to correct any inconsistencies or blatant errors. Free Report: 3 quick tips to raising your credit score today

• Income - Typically, banks want to see your total monthly expenses at about 40% of your gross monthly income. There are several mortgage programs that consider future pay increases as well.

• Assets - We have several Down Payment Assistance programs available. Since each loan scenario is unique, we keep an inventory of banks on hand that have flexible asset requirements. The main thing to consider regarding assets is how they will be verified. Before you start moving assets around, ask your loan officer what their bank requires.

Plan for success

We are aware that our clients are truly shopping for a new home and the not extremely excited about getting a mortgage. Let us tailor a lending solution that ultimately serves your future financial goals. While we are confident that our mortgage rates are competitive, our priority is to earn your trust by providing you excellent service, options, and education. Schedule a quick strategy session today so that you can have the ammunition you need when shopping for your next dream home.

I'll put together 36 mortgage program options in a quick 15 minute phone call without asking any personal credit questions. Fill out the following contact form and I'll also email you a Credit Scoring Booklet.