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What does 30 years look like? A book! Take a fun journey with me back across my history in the finance industry through business cards and photos you may recognize, including 90's hair! Dreams come true along the way. I wrote the book to help both consumers and colleagues by bringing a dry topic to life with humor, stories, and education about "The Mortgage Loan Process".

Enjoy and thank you for sharing. Available now through most retailers in both eBook and Print.
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Nice to meet you.
I am Adrean J. Rudie, of Rudie Realty, and author of "The Mortgage Loan Process", the good, bad, and ugly but the real!
I have earned trust, referrals and repeat business from my clients by providing intelligent and thoughtful advice about the complex financial implications of their real estate decisions, spanning 3 decades.
With a background that spans 30 years in the financial industry, I have vast experience analyzing contracts, financial statements, balance sheets and lease agreements.
I have been a recreational real estate investor for over 20 years.
I started working with Adrean Rudie 18 years ago, and in that time my portfolio has grown from 4 units to 64 units.
Details of the Recommendation: It is with pleasure that I share comments on my experience with Adrean Rudie in the listing and sale of my investment property in Costa Mesa.
I needed to sell quickly and get the best price.
Less than a week after I contacted her, she listed the house.
Two days later, I had a favorable offer.
First of all, I look forward to helping you, even if it means we do not do a loan.
As you know, many changes are being implemented to improve the volatile lending industry.
My commitment to you is to improve your current situation.
That means if, for some reason, the loans available don't do that, then we'll wait until something is available that does.
Please be ready to provide numerous pieces of documentation upfront and sign forms when requested as we go along the process through several departments.
These items are typical for most lenders for most types of loan transactions, purchase or refinance.
Please review all and send what applies to your situation.
Ask me if you aren't sure of something.
Depending on the computer generated loan approval; some items may be added or omitted.
Please provide the following items so that I may better help you qualify for the best program to fit your personal needs.
The more complete the file, the faster and often cheaper!
Please send these automatically every time you receive a new one.
Once we have had a general discussion and determined your needs, please start the process by completing step #1 below.
Gather everything from the list on the Loan Application Process page and have it ready for uploading to a secure Sharefile per my instructions.
Be prepared for my call to collect payment over the phone for a credit report for all borrowers.
It will be analyzed by myself and processing to prepare for an automated underwriting software pre-approval.
If the information provided is correct and no guidelines have changed, it will create a preliminary conditional approval for the human underwriter to go off of once we get to that stage.
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