Caroline has served homeowners throughout California for over 19 years. She has built her business by repeat customers, the referrals of their family members and real estate agents. Caroline has a solid reputation in the lending and real estate community as someone who is knowledgeable, ethical and able to get loans done for her clients. Caroline is a Mortgage Broker who works with a variety of lenders to ensure she finds you the best interest rate and loan option for you.
Caroline has worked with hundreds of first-time home buyers and specializes in VA, Conventional and FHA loans. She believes in the importance of educating borrowers about the loan process and will sit down with you and go over what you need to know. Whether you are purchasing your first home, forever home or an investment property Caroline will be committed to you from beginning to end.
Even after your loan closes, she will be available to answer questions that may come up. In addition, Caroline realizes she is only as good as the team of professionals she works with and only surrounds herself with the most experienced and knowledgeable people in the lending business.
Caroline has worked with hundreds of first-time home buyers and specializes in VA, Conventional and FHA loans. She believes in the importance of educating borrowers about the loan process and will sit down with you and go over what you need to know. Whether you are purchasing your first home, forever home or an investment property Caroline will be committed to you from beginning to end.
Even after your loan closes, she will be available to answer questions that may come up. In addition, Caroline realizes she is only as good as the team of professionals she works with and only surrounds herself with the most experienced and knowledgeable people in the lending business.
Services
Caroline began serving homeowners throughout California in 2002, after moving to Carlsbad, CA from Kentucky.
She specializes in VA, FHA and Conventional financing and originates a wide array of mortgage loan products.
Whether you are purchasing your first home, your forever home or an investment property, Caroline's goal is to exceed your expectations and offer you excellent service from start to finish.
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She specializes in VA, FHA and Conventional financing and originates a wide array of mortgage loan products.
Whether you are purchasing your first home, your forever home or an investment property, Caroline's goal is to exceed your expectations and offer you excellent service from start to finish.
Visitor Information Reporting Allow this website to collect visitor and device info for statistical purposes.
The first step in purchasing your new home is getting pre-approved for your mortgage loan.
You will submit documents list to Caroline, so she can determine the amount you qualify for.
An important part of the pre-approval process is going over what your estimated monthly payment will be.
It is essential for you and Caroline to discuss your comfort level for your monthly payment.
When discussing your monthly payment, she will include your principal, interest, property taxes and homeowner's insurance, referred to as PITI.
You will submit documents list to Caroline, so she can determine the amount you qualify for.
An important part of the pre-approval process is going over what your estimated monthly payment will be.
It is essential for you and Caroline to discuss your comfort level for your monthly payment.
When discussing your monthly payment, she will include your principal, interest, property taxes and homeowner's insurance, referred to as PITI.
PITI: Monthly payment including Principle, Interest, (homeowners) Insurance and property Taxes.
Impound Account: An impound or escrow account is an account that is set-up to pay your property taxes and homeowners insurance for you when they are due.
You will pay 1/12 of your annual insurance premium and 1/12 of your annual property taxes with your mortgage payment.
The positive is that you do not have to worry about having the money on hand when these come due.
The negative is your monthly payment is higher.
Impound Account: An impound or escrow account is an account that is set-up to pay your property taxes and homeowners insurance for you when they are due.
You will pay 1/12 of your annual insurance premium and 1/12 of your annual property taxes with your mortgage payment.
The positive is that you do not have to worry about having the money on hand when these come due.
The negative is your monthly payment is higher.
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