I am committed to providing my clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, I can help make your dreams come true. I have been a Mortgage Loan Officer for 11 years and work closely with real estate agents and home buyers to help many people become home owners.
Helping people understand the steps and benefits of home ownership is one of my favorite aspects to my job. My dedication and concern for my clients has helped me build a referral based business of many loyal clients. I am always available to offer advise for clients, friends, and family, and truly understand the importance of exceptional customer service and follow through.
I have worked as the in house lender for a Coldwell Banker office and have run my own branch of a mortgage brokerage firm. With the ever changing mortgage market, I have become a direct lender with Pact Trust Bank so I am able to offer my clients the high level of customer service they deserve.
Helping people understand the steps and benefits of home ownership is one of my favorite aspects to my job. My dedication and concern for my clients has helped me build a referral based business of many loyal clients. I am always available to offer advise for clients, friends, and family, and truly understand the importance of exceptional customer service and follow through.
I have worked as the in house lender for a Coldwell Banker office and have run my own branch of a mortgage brokerage firm. With the ever changing mortgage market, I have become a direct lender with Pact Trust Bank so I am able to offer my clients the high level of customer service they deserve.
Services
I am committed to providing my clients with the highest quality financial services combined with the lowest rates available in your area.
I will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, I can help you find the right loan program at the lowest rate no matter what your goals are.
My ultimate objective is to create lasting relationships with each of my clients so that I may continue providing excellent service to them for many years to come.
I will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, I can help you find the right loan program at the lowest rate no matter what your goals are.
My ultimate objective is to create lasting relationships with each of my clients so that I may continue providing excellent service to them for many years to come.
Stated Income Loans are a thing of the past thanks to Dodd Franks ability to repay which requires the lender to prove that the buyer has the ability to repay the loan.
But don't worry there is still hope for self employed or people with high assets and low income.
Here are a few ways we can fund your loans without 2 years tax returns!
3 month bank statement- Give us a profit and loss and 3 months statements and you qualify!
Ability to repay in full- You have enough cash to repay the loan and that's all you have to prove!
But don't worry there is still hope for self employed or people with high assets and low income.
Here are a few ways we can fund your loans without 2 years tax returns!
3 month bank statement- Give us a profit and loss and 3 months statements and you qualify!
Ability to repay in full- You have enough cash to repay the loan and that's all you have to prove!
Mandy is a fantastic loan officer and I highly recommend her to all of my clients.
What sets Mandy apart from other loan officers is her willingness to go above and beyond the call of duty to close a transaction.
She is a true problem solver and will always seek out solutions to problems that inevitably crop up during transactions.
I especially appreciate Mandy's proactive communication.
I always know where the loan process stands when I work with her.
This communication style translates to her clients as well.
What sets Mandy apart from other loan officers is her willingness to go above and beyond the call of duty to close a transaction.
She is a true problem solver and will always seek out solutions to problems that inevitably crop up during transactions.
I especially appreciate Mandy's proactive communication.
I always know where the loan process stands when I work with her.
This communication style translates to her clients as well.
Confusion is common when it comes to deciphering the difference between a mortgage loan pre-qualification and a pre-approval.
Part of the confusion can be blamed on Real Estate professionals who often use these terms intermittently.
The fact is there is a big difference between the two terms.
A mortgage loan pre-qualification is simply an estimate of how much house you can afford and how much money a lender would be willing to loan you.
The best time to get a pre-qualification is right at the beginning of your home buying process, before you even start looking at houses.
Part of the confusion can be blamed on Real Estate professionals who often use these terms intermittently.
The fact is there is a big difference between the two terms.
A mortgage loan pre-qualification is simply an estimate of how much house you can afford and how much money a lender would be willing to loan you.
The best time to get a pre-qualification is right at the beginning of your home buying process, before you even start looking at houses.
Loan Offi.cer then customizes a loan product to meet your individual needs.
Locks rate and program with applicable investor upon your request and will maintain communication throughout the loan process to closing.
Your Loan Officer is your contact during all processing and compiling of information for loan submission, i.e. income, assets, and credit.
Send all information for loan processing to your Loan Officer, i.e. contract, loan statements, paystubs, etc. Loan package is reviewed to ensure information received meets investor guidelines prior to submission to underwriting.
Locks rate and program with applicable investor upon your request and will maintain communication throughout the loan process to closing.
Your Loan Officer is your contact during all processing and compiling of information for loan submission, i.e. income, assets, and credit.
Send all information for loan processing to your Loan Officer, i.e. contract, loan statements, paystubs, etc. Loan package is reviewed to ensure information received meets investor guidelines prior to submission to underwriting.
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