Al Rodenburg - Real Estate Home Mortgages - Home Buying/Selling - Real Estate

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Expert Profile: Al Rodenburg

Expertise: Financing residential(primary or investment) property with little money down is my specialty. LTV's range to 100% on a home / to 90% on investor properties. My expertise includes Alt-A, Sub-Prime, Conforming (Fannie Mae/Freddie Mac) and FHA/VA lending. I can answer Questions relative to borrowers with damaged credit as well as those with excellent credit; and suggest strategies to maximize cash preservation and can also assist those trying purchase multiple investment properties.

Experience in the area
As a former lender Account Executive, CFO of national brokerage and Branch Manager for several branch operations, I have been a Senior Managing Director for one of the largest mortgage brokerages in the United States and am currently working for a national bank operating in 49 states. See mortgageoffice dot com for more info.

Education/Credentials
Accounting/Business: University of Illinois(Chicago), Florida State University, Roosevelt University and Lake Forest School of Management.

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Something controversial or provocative about this subject It was sad to see so many lenders and mortgage brokers go out of business in 2007; but, hopefully it will make the mortgage loan process more transparent for the consumer. There were people in the mortgage industry, in the past, that were like others in business: all they cared about was the money, and not that the consumer got the best deal possible.

What do you still hope to achieve/learn in this field? My goal is to help educate both consumers and others in my industry - so that mortgage financing is a more transparent process.

What do you like about this subject? Helping people and being able to affect their lives in a positive way.

Something interesting about this subject that others may not know: Although there is currently a crisis in the mortgage business - it is not always clear to the consumer that there are still mortgage loans available. We can still lend with credit scores as low as 520 on subprime loans and on conforming and Alt-A loans the typical criteria begins at 620.

Average Ratings
Prestige Points: 800
Knowledge	9.67 Best of the best
Clarity of Response	9.85 Best of the best
Timeliness	9.93 Best of the best
Politeness	9.96 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		100
Total Questions (since joining AllExperts)		127

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	08/25/08
10	10	10	10	06/08/08
10	10	10	10	06/02/08
10	10	10	10	05/22/08
10	10	10	10	04/14/08

User Comments

thank you
(andy on 08/25/08)

thanks a million for taking the time to answer my questions beyond.
(katja on 06/02/08)

Thank you for the info and web site.
(Ginger on 05/22/08)

Thank-you very much Al..Those are some good things for me to look into ..I may be getting back to you...again thank-you so much for time..Skyler
(Skyler on 04/14/08)

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Ask a Question	View Past Answers	View Ratings

Recent Answers from Al Rodenburg

2008-08-19 Hazard Insurance on VA loans: Here is the answer from my senior underwriter: ================= We can not do a loan in GUAM. We can lend in Hawaii but not Guam. You need to tell him to contact his local VA office and inquire about...

2008-08-04 First Time Homebuyer and Current Homeowner purchasing property together: she can still take advantage is she is only one on the loan talk to local loan officer/bank re this, just to make sure; otherwise email me and I can put you in touch with a professional that can handle...

2008-06-12 Home Loan.: Sorry; in this credit market and with everyone looking over everyone else's shoulder to see if they are doing the right thing and for transparency purposes - I can not think of any avenue for you to go...

2008-06-06 credit score and buying a home: 799 is a great score; all high LTV loans are put through an Automated Underwriting system (FannieMae and FreddieMac) and they continue to evolve as the mortgage market evolves - so what could be acceptable...

2008-05-21 Investment property loan: Have no clue why you are being charged 3.5 points (%). Points are typically a % paid to the lender, but if you are dealing with a broker, it can be fees paid to the broker to get you that rate. If you...

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