My mortgage brokerage company originates PURCHASE and REFINANCE loans for residential and commercial properties in Nevada. My loans are brokered to mortgage banking companies, direct portfolio lenders, or private money investors for their approvals and fundings. In my 22 years of experience in the mortgage business, I've achieved 100% in LOAN APPROVALS.
It's the unique level of knowledge and competency I bring to the table that makes me so successful. How do I do it? My secret is to establish relationships based on trust with my borrowers. You're trusting me to help you make a smart loan decision for what may be the biggest purchase of your life. We have a selection of well-established lenders that many loan agents employed by other mortgage companies may not know.
I'll provide you with loan options, so that you've got the best information to make the right loan decision. You'll receive my careful loan analysis, timely communications and the commitment you deserve that's focused on your success.
It's the unique level of knowledge and competency I bring to the table that makes me so successful. How do I do it? My secret is to establish relationships based on trust with my borrowers. You're trusting me to help you make a smart loan decision for what may be the biggest purchase of your life. We have a selection of well-established lenders that many loan agents employed by other mortgage companies may not know.
I'll provide you with loan options, so that you've got the best information to make the right loan decision. You'll receive my careful loan analysis, timely communications and the commitment you deserve that's focused on your success.
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The thought of applying for a mortgage makes you imagine sitting across the desk from a loan officer at the local bank, nervously wondering whether your credit history and income are sufficient to receive a good rate, or even just getting approved to buy the house you really want.
Or, worse, you plug your information into a website that you saw advertised on television, and it immediately issues loan options which are either confusing or may not fit you at all.
You could choose one of those options, but would you be leaving money on the table?
Or, worse, you plug your information into a website that you saw advertised on television, and it immediately issues loan options which are either confusing or may not fit you at all.
You could choose one of those options, but would you be leaving money on the table?
Qualified mortgages are what consumers would think of as a normal, plain-vanilla loan.
For instance, 15- or 30-year mortgages with a fixed rate.
Lenders follow strict regulations about credit-history, debt-to-income ratio, and income stability, along with other metrics that predict how risky it is to loan money to you.
For a growing segment of the population, traditional qualified mortgages don't work for them.
If that's your case, let's explore the possibility of a non-qualified mortgage or "Non-QM."
For instance, 15- or 30-year mortgages with a fixed rate.
Lenders follow strict regulations about credit-history, debt-to-income ratio, and income stability, along with other metrics that predict how risky it is to loan money to you.
For a growing segment of the population, traditional qualified mortgages don't work for them.
If that's your case, let's explore the possibility of a non-qualified mortgage or "Non-QM."
A reverse mortgage is a unique type of home loan that allows you to withdraw a portion of your home equity.
This Home Equity Conversion Mortgage (HECM) loan is FHA's reverse mortgage program.
To qualify, these homeowners must be at least 62 years old, own their home outright or have a low loan balance that can be paid off with the reverse proceeds.
In addition, while a reverse mortgage is not based on your credit score or evidence of an income stream, you must live in your home as your primary residence.
This Home Equity Conversion Mortgage (HECM) loan is FHA's reverse mortgage program.
To qualify, these homeowners must be at least 62 years old, own their home outright or have a low loan balance that can be paid off with the reverse proceeds.
In addition, while a reverse mortgage is not based on your credit score or evidence of an income stream, you must live in your home as your primary residence.
Your loan amount is either too small, your financials too light, or the property type just doesn't fit their business model.
Or to expand, do improvements, update equipment and technology, or acquire working capital for whatever the need.
Call me at Capline Mortgage.
When you work with an experienced mortgage broker, you have access to many diverse types of loans and lenders, all of whom have different programs.
I have access to the small balance direct portfolio and private investors specializing in commercial real estate lending.
Or to expand, do improvements, update equipment and technology, or acquire working capital for whatever the need.
Call me at Capline Mortgage.
When you work with an experienced mortgage broker, you have access to many diverse types of loans and lenders, all of whom have different programs.
I have access to the small balance direct portfolio and private investors specializing in commercial real estate lending.
This is the question most people start with.
They call around looking for the best rate, but the reality is that the rate question is the wrong place to start.
Even if you're refinancing for the 4th time in your life and you think you're an old pro at getting a mortgage, I encourage you to call me so we can talk about what you're looking for.
Everyone wants a great rate, and I can match you to that, but there is so much more to consider.
No sense you missing out on other important factors in getting the most out of a loan.
They call around looking for the best rate, but the reality is that the rate question is the wrong place to start.
Even if you're refinancing for the 4th time in your life and you think you're an old pro at getting a mortgage, I encourage you to call me so we can talk about what you're looking for.
Everyone wants a great rate, and I can match you to that, but there is so much more to consider.
No sense you missing out on other important factors in getting the most out of a loan.
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