About Us
Putting Customers First We pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers. Lower Mortgage Costs Through Cutting-edge Mortgage Origination Technology Our customers save money and close their loans quickly because we employ the most advanced mortgage technology available. In a rush? We welcome you to try our mortgage calculators! The Internet, advanced mortgage processing software, and automated mortgage underwriting systems are coordinated to speed the mortgage process and deliver the best rate and terms. Highest Quality Mortgage Services From mortgage processing and underwriting, to loan closing and funding, our expert mortgage staff will efficiently expedite your entire transaction. We'll keep you informed every step of the way. We're committed to building rewarding, long-term customer relationships. With that in mind, you'll receive the highest quality mortgage services. Meeting Every Challenge We rapidly respond to new opportunities made available in today's dynamic mortgage markets. As a result, the requirements of our mortgage customers are consistently met through mortgage underwriting flexibility and delivery of unique mortgage programs. We often identify niche mortgage programs that are essential to satisfying individual mortgage customer needs.
- Residential
- Relocation
- Condos/Townhomes
- Luxury Homes
- REO/Bank Owned
- Investment Properties
- Short Sales
- Vacation/Resort Properties
- Oceanfront/Investment
- Self Employed Borrowers
I have extensive knowledge and experience in the following areas of mortgage lending:
1). Conventional Home Financing- If you are purchasing or refinancing a primary home, 2nd Home or Investment property i have the expertise and lenders to meet all your needs. Conventional financing for borrowers with a loan balance of 417,000 or less, we have many financing options to satisfy our clients. Examples are 10yr, 15yr, 20yr, 25 yr and 30 year terms.
2). Emerging Markets- This category includes FHA, VA and USDA financing just to touch on the major loan types. In particular, I would like to focus on USDA since this category has in the past been given a low amount of business. In part, due to bad experiences from past loan origination. During the initial introduction of this loan category(1992) loan closings were done directly with USDA and closings where long and paper intensive, today that has all changed. USDA is very similar to FHA in that I can electronically get an approval within the same day. Many of the underwriting rules that apply to FHA do not apply to USDA making this loan very flexible in all categories, including, credit, assets,employment, appraisal and property. My responsibility is to effectively interview your customer to find the right loan for them. While FHA and VA still remain the most popular, USDA is a hidden jewel in the mix of Emerging Markets today.
3). Jumbo Loans- The volatile market has disrupted this loan market recently. While many loan originators found it hard to find an investor to purchase these loans, Gateway Mortgage which closes over 95 billion dollars worth of loans each year makes my job easy. I have the resources and the portfolio of lenders and appraisers to meet the home financing needs of every discerning buyer. I understand the needs of this category of customer, which will help with future referrals for both of us. Whether they are purchasing a 500,000 property or a 2,000,000 let me be your one stop source for Jumbo!
4). Investment Properties- You may have a client that needs a 2nd Home, Condo, Condotel, Investment Property for Rental, Lot Loan. I can cover each of these categories with no problem, whether your clients are looking for a vacation beach property, ski resort condo or a condo for the college student, let me be your source. I have over 50 lenders at my finger tips with direct lending capability.
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