It takes more documentation and patience to find and get approved for a mortgage today and it is a big decision. I provide dedicated, experienced and individual advice so you make the best choice - for you. Whether you are salaried, self-employed, a first-time homebuyer or just want to know what it takes to qualify, I can help. With over 30 years in banking and mortgage origination I and have helped hundreds of homeowners all over California with mortgage advice for a purchase or to reduce monthly payments.
You will have access to the widest range of loan programs, with top tier lenders, at competitive rates, always for Conforming, Jumbo, Super Jumbo, FHA or VA. I do not charge a fee ever for my services - the lender pays me when the loan closes. Unlike loan "brokers" who send their loans to a bank for approval as a "mortgage banker" RPM Mortgage, Inc. closes loans in house.
I have direct oversight of the process to close of escrow. David is amazing. He takes you through the loan process step by step and makes one of the most stressful things, buying or refinancing a home, easy.
You will have access to the widest range of loan programs, with top tier lenders, at competitive rates, always for Conforming, Jumbo, Super Jumbo, FHA or VA. I do not charge a fee ever for my services - the lender pays me when the loan closes. Unlike loan "brokers" who send their loans to a bank for approval as a "mortgage banker" RPM Mortgage, Inc. closes loans in house.
I have direct oversight of the process to close of escrow. David is amazing. He takes you through the loan process step by step and makes one of the most stressful things, buying or refinancing a home, easy.
Services
Choosing the right mortgage starts with an understanding of each client's unique situation and long term goals.
The payments and type loan have to fit the first few months as well as the longer term.
You want the home you really want but you need to be able to sleep easy.
In these the rate can adjust.
The other term for this loan is Adjustable Rate Mortgage (ARM).
These will have a rate fixed for 6 months, 1, 3, 5, 7, or 10 years.
After that period is up the rate will adjust, as will the payment, based on the then current rate environment.
The payments and type loan have to fit the first few months as well as the longer term.
You want the home you really want but you need to be able to sleep easy.
In these the rate can adjust.
The other term for this loan is Adjustable Rate Mortgage (ARM).
These will have a rate fixed for 6 months, 1, 3, 5, 7, or 10 years.
After that period is up the rate will adjust, as will the payment, based on the then current rate environment.
Changes are coming to the FICO credit-scoring system, potentially allowing millions of people to better to qualify for mortgages and get better rates!
The Wall Street Journal reported that Fair Isaac, which produces the FICO score, will no longer include failures to pay bills when calculating a score if the issue has since been resolved.
The tabulation also will take unpaid medical bills less into account, according to the Journal.
Out of the 106.5 million Americans with a payment collection on their report, 9.4 million had no current balance, which means their credit scores will be bolstered by the new system.
The Wall Street Journal reported that Fair Isaac, which produces the FICO score, will no longer include failures to pay bills when calculating a score if the issue has since been resolved.
The tabulation also will take unpaid medical bills less into account, according to the Journal.
Out of the 106.5 million Americans with a payment collection on their report, 9.4 million had no current balance, which means their credit scores will be bolstered by the new system.
David provided a comprehensive range loan products for our consideration and helped us get the best financing for our needs.
The entire process was smooth and transparent, with a focus on value and on an easy escrow.
David's team was professional and responsive.
Thank you David so much for great job with our loan.
The great thing that I felt that I can always call and ask you for anything regard real estate, loans, mortgage.
From now on you are the only one I will go to in this regard.
This is because we came to you after going to number of loan agents who told us that there is NO WAY we can be approved.
The entire process was smooth and transparent, with a focus on value and on an easy escrow.
David's team was professional and responsive.
Thank you David so much for great job with our loan.
The great thing that I felt that I can always call and ask you for anything regard real estate, loans, mortgage.
From now on you are the only one I will go to in this regard.
This is because we came to you after going to number of loan agents who told us that there is NO WAY we can be approved.
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