I was so thankful that Megan was my loan agent, she was incredible and helped walked me through all my loan processes and issues. As you already know, home loan is a vigorously intimidating task; one that can be life changing for me as I am a first time home buyer. Megan is extremely dependable and always responds quickly in a timely manner to all my questions and concerns with accurate information.
Megan really made the loan process much easier with her guidance, care, and dedication. In this complex and ever-changing market place, you want a Mortgage Consultant with a steady hand and depth of knowledge to properly answer your questions to meet your needs. With over 10 years of experience in the financial and loan industry (both Residential and Commercial), you will receive exceptional service and guidance for your mortgage financing needs in the western US (with a strong focus on California and Washington State).
I seek out and work with firms that are considered to be the best in their geographic regions and in the industry.
Megan really made the loan process much easier with her guidance, care, and dedication. In this complex and ever-changing market place, you want a Mortgage Consultant with a steady hand and depth of knowledge to properly answer your questions to meet your needs. With over 10 years of experience in the financial and loan industry (both Residential and Commercial), you will receive exceptional service and guidance for your mortgage financing needs in the western US (with a strong focus on California and Washington State).
I seek out and work with firms that are considered to be the best in their geographic regions and in the industry.
Services
I've compiled a list of often asked questions by my customers to help you in your research.
If you have any questions or concerns, please do not hesitate to contact me.
If there is something specific you would like me to answer, please ask away.
Even if you don't use me, I want everyone to have a clear understanding of what the mortgage process is.
Typically you, as the borrower, have the responsibility to pay your property taxes, insurance or other assessments on your property.
If an escrow account has been established for some or all of these items, then you are responsible for making timely payments to the escrow account which is included with your monthly payment and the Lender will make the tax and insurance payments when due.
If you have any questions or concerns, please do not hesitate to contact me.
If there is something specific you would like me to answer, please ask away.
Even if you don't use me, I want everyone to have a clear understanding of what the mortgage process is.
Typically you, as the borrower, have the responsibility to pay your property taxes, insurance or other assessments on your property.
If an escrow account has been established for some or all of these items, then you are responsible for making timely payments to the escrow account which is included with your monthly payment and the Lender will make the tax and insurance payments when due.
Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option.
Some programs which have government subsidies may have a recapture tax if you sell the house too early.
These programs help to reduce the principle owed to the lender in order to adjust your monthly payments which can mean a substantial savings.
Some programs which have government subsidies may have a recapture tax if you sell the house too early.
These programs help to reduce the principle owed to the lender in order to adjust your monthly payments which can mean a substantial savings.
I started in the loan business (both residential and commercial) in 2004 as a loan processor which taught me almost everything about the loan application process (the firm I worked for actively encouraged everyone to take a proactive educational stance) and to understand how critical it is to have proper and timely communication with all the groups involved as well as the customer to make the application process go smoothly.
In mid-2005, I moved from being a loan processor to a loan originator and worked very closely with customers and loan processors to get their loans completed and since have strived to work with brokers because this allows me to provide the best options for customers that meets their goals.
In mid-2005, I moved from being a loan processor to a loan originator and worked very closely with customers and loan processors to get their loans completed and since have strived to work with brokers because this allows me to provide the best options for customers that meets their goals.
Moving into a new home is a life event, and a cause for celebration.
Throwing a housewarming party is a great way to show off your new home and a perfect opportunity for those special people in your life (am I invited?) to share in this exciting moment.
After all, its those you love who truly make a house feel like a home.
A house warming party can fee; like a daunting task to plan, especially after all that moving and unpacking.
Keep in mind the "5 P's" - Prior Planning Prevents Poor Parties.
Good planning can help ensure that your guests will both warm your house, leave with warm feeling about your home, and you don't go crazy.
Throwing a housewarming party is a great way to show off your new home and a perfect opportunity for those special people in your life (am I invited?) to share in this exciting moment.
After all, its those you love who truly make a house feel like a home.
A house warming party can fee; like a daunting task to plan, especially after all that moving and unpacking.
Keep in mind the "5 P's" - Prior Planning Prevents Poor Parties.
Good planning can help ensure that your guests will both warm your house, leave with warm feeling about your home, and you don't go crazy.
Enter the loan amount, interest rate, and repayment term (length of loan) for the loans you're considering.
A screen pops up showing the total monthly Principle & Interest (P&I) payment, the total of all payments for the entire loan term, and the total amount of interest you would pay for the entire loan term.
Let's say you're trying to decide whether to buy a home with a low down payment and a 30 year repayment term, or if you should make an additional $25,000 down payment and reduce the loan term to 15 years.
A screen pops up showing the total monthly Principle & Interest (P&I) payment, the total of all payments for the entire loan term, and the total amount of interest you would pay for the entire loan term.
Let's say you're trying to decide whether to buy a home with a low down payment and a 30 year repayment term, or if you should make an additional $25,000 down payment and reduce the loan term to 15 years.
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