I truly believe Bay Area real estate continues to be one of the best investment vehicles, and it's a privilege to advise clients in their goal of owning property. I'm committed to helping clients navigate the constant change of mortgage guidelines, real estate laws, and economic forecasts. Each client has different needs and so my approach varies.
My goal is to assist clients in building and protecting wealth through better management of equity and cash flow. Carrie's unique background gives her the skill set to be the best partner for her clients on their path to home ownership. Prior to her mortgage career, Carrie spent over a decade running a $700M business for a Fortune 5 company.
She has experience working in Silicon Valley start-ups as well as established Fortune 500 companies, with expertise in international business development, finance, business strategy, and negotiation.Carrie also earned her business degree from UC Berkeley's Haas School of Business. Carrie applies all of the learnings in communication, strategy and collaboration to streamline each step of the mortgage process.
My goal is to assist clients in building and protecting wealth through better management of equity and cash flow. Carrie's unique background gives her the skill set to be the best partner for her clients on their path to home ownership. Prior to her mortgage career, Carrie spent over a decade running a $700M business for a Fortune 5 company.
She has experience working in Silicon Valley start-ups as well as established Fortune 500 companies, with expertise in international business development, finance, business strategy, and negotiation.Carrie also earned her business degree from UC Berkeley's Haas School of Business. Carrie applies all of the learnings in communication, strategy and collaboration to streamline each step of the mortgage process.
Services
You go through the loan process just a few times in your life, my team and I obsess over it every day.
I build trust-based partnerships with my clients to educate and support them through all steps of the purchase process.
How much will you need to have at closing with downpayment, closing costs, and prepaid costs?.
Preapproval: We'll put together your financial picture as a strong borrower for an underwriter.
Determine an offer strategy that is as strong as possible within your personal comfort zone.
I build trust-based partnerships with my clients to educate and support them through all steps of the purchase process.
How much will you need to have at closing with downpayment, closing costs, and prepaid costs?.
Preapproval: We'll put together your financial picture as a strong borrower for an underwriter.
Determine an offer strategy that is as strong as possible within your personal comfort zone.
Congratulations on your decision to buy a home!
I suggest working together on numbers as the first step down the path.
We will sit together to walk through your goals, assets, debt, and income to paint a financial picture.
I will help you understand how much we can qualify you for, as well as how much you're comfortable with, on a monthly basis, and in upfront payment.
It's also a good idea to run a credit report to understand your FICO score and clear up any errors that may be reporting, something I'm more than happy to help with.
I suggest working together on numbers as the first step down the path.
We will sit together to walk through your goals, assets, debt, and income to paint a financial picture.
I will help you understand how much we can qualify you for, as well as how much you're comfortable with, on a monthly basis, and in upfront payment.
It's also a good idea to run a credit report to understand your FICO score and clear up any errors that may be reporting, something I'm more than happy to help with.
Knowing your budget and being preapproved before starting your home search narrows your criteria and boosts confidence in making offers.
A strong preapproval letter also reassures sellers that the loan and closing process will be smooth, providing an advantage in the current, competitive market.
For bonuses or hourly employees: Year-end paystubs that show bonus history or trend of number of hours worked (2019, 2020).
Bank accounts, investment accounts, 401k, IRAs, etc, statements - Most recent two months, ALL pages including blank pages.
A strong preapproval letter also reassures sellers that the loan and closing process will be smooth, providing an advantage in the current, competitive market.
For bonuses or hourly employees: Year-end paystubs that show bonus history or trend of number of hours worked (2019, 2020).
Bank accounts, investment accounts, 401k, IRAs, etc, statements - Most recent two months, ALL pages including blank pages.
Buying a home is both exciting and intimidating, and our process ensures a stress-free, on-time closing.
The timeline below provides an overview of the activities, roles, and responsibilities of the many teams working together to finance your new home!
This is due within 3 days of an accepted offer.
The amount is specified in your contract and should come out of one of the accounts we've previously verified (using an un-verified account can cause a delay).
Funds should be liquidated immediately and verifiable as cleared funds (vs pending) in a bank account by week 2.
The timeline below provides an overview of the activities, roles, and responsibilities of the many teams working together to finance your new home!
This is due within 3 days of an accepted offer.
The amount is specified in your contract and should come out of one of the accounts we've previously verified (using an un-verified account can cause a delay).
Funds should be liquidated immediately and verifiable as cleared funds (vs pending) in a bank account by week 2.
Carrie is amazing!
The home buying process itself is complicated and emotional, besides being a huge financial commitment.
Make it easier on yourself and ask Carrie to be your mortgage broker.
My husband and I were in a purchase agreement, using a different lender, when it became clear that they were not going to be able to come through.
They had made a couple negligent mistakes early on and went silent one afternoon for several hours, 2 days AFTER we were suppose to remove contingencies.
Our realtor told us to call Carrie.
The home buying process itself is complicated and emotional, besides being a huge financial commitment.
Make it easier on yourself and ask Carrie to be your mortgage broker.
My husband and I were in a purchase agreement, using a different lender, when it became clear that they were not going to be able to come through.
They had made a couple negligent mistakes early on and went silent one afternoon for several hours, 2 days AFTER we were suppose to remove contingencies.
Our realtor told us to call Carrie.
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