You are here:
Real Estate Home Mortgages/Expert Profile
Expertise
I can answer any question that pertains to Real Estate Finance, both in Residential and commercial Real Estate. This includes questions on Financing the purchase of a new home, refinance, debt consolidation, 100% Financing Loans, FHA, VA, and pers/Sters Loans as well just to name a few.
Experience in the area
I have over 10 Years in the Mortgage Lending Field, working as both a Banker, and now currently owning my own Mortgage Brokerage Firm. I specialize in working with Family Law Attorneys, Estate Attorneys, and First Time Home Buyers, although I don't limit myself, and welcome any kind of client in need of financing. Because I also Interned at Merrill Lynch, I have thorough knowledge of Financial Planning and utilize that knowledge when helping someone to find the proper loan to suit their needs. I am also qualified to assist clients in credit counseling, at no charge to them at all.
Organizations
Southland Regional Association of Realtors
Education/Credentials
Bachelor Degree in Business Administration (emphasis on Finance) California State Real Estate License
Awards and Honors
Highest Producing Agent 2004, 2005, 2006
What do you like about this subject?
There are many aspects to my industry that I like. But the most rewarding aspect is when I close a deal for a "First Time Home Buyer" and see how happy they are to have purchased their first home and the recognition they give me. When They are happy, I am happy, and that's my primary goal.
What do you still hope to achieve/learn in this field?
We are currently in the process of becoming a Correspondent Lender, which basicaly means we will be able to lend our own money as a direct lender and still having the ability to broker loans to get the best deal for the client.
Something interesting about this subject that others may not know:
Credit Counseling has a negative effect on your credit report. The only way to consolodate your debt without adversly effecting your credit is to refinance your home and use the equity to pay it off, or obtain a personal loan to consolodate debt. Anytime you go to a credit counseling type of company, it has an adverse effect on your credit.
Something controversial or provocative about this subject
Mortgage Brokers are all crooks. That is False. Somehow we got a bad wrap, but there are many exceptional lenders and loan officers in the business who really do care about doing the right thing for the client.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Deborah | 10/27/09 | 10 | 10 | 10 | 10 | Thank you. You have been so helpful ..... |
| lisa | 07/07/09 | 10 | 10 | 10 | 10 | Thank you sooooo much!!!! |
| robyn | 06/23/09 | 10 | 10 | 10 | 10 | |
| Yadira | 06/09/09 | 10 | 10 | 10 | 10 | Thank you for taking the time to ..... |
| Danielle | 06/02/09 | 10 | 10 | 10 | 10 | Thank you! Your insight was very helpful ..... |
Recent Answers from Bret Temple
2009-10-15 REFINANCE:
Dan, Different states might have different laws, but they are probably requiring a signature from your wife for Title purposes, not the loan. Sometimes, if your married, they require her signature to
2009-09-25 Mortgage:
Hi kee, The type of ownership you are speaking about is called a Joint Tenant agreement. In this agreement two primary owners each own 50% of the property and have the right to the other 50% if one
2009-09-24 Refinance/unpaid taxes:
HI Zak, You will need some kind of income documentation in order to refinance. By now, the Lender will be expecting you to have your 2008 returns completed as extensions are due in September. You might
2009-06-12 Use a broker for home equity loan?:
Hi Marc, First of all I'm sorry for all the financial difficulties you have been going through. Unfortunately even going through a broker won't help you with the low credit score. The one thing a broker
2009-06-08 Lender, Refinance:
HI Nancy, First of all, there is little recourse from a lender that takes too long to close a loan. Unfortunately, in lending, we never guarantee when a loan is going to close. However, unless your
This topic answers questions related to purchasing a home, owning a home, home ownership, mortgage education, mortgage applications, and mortgage needs whether buying a first home or refinancing a current loan. Issues related to home ownership, home equity, mortgage education, refinacing options, home improvment finacing, first time home loans, home equity loans, vactation home loans, and mortgages for investment homes are dealt with here also. Though not the primary focus of this topic, Home Equity Lines of Credits (HELOCS), reverse mortgages, and calculating home equity may also be asked. If you do not see your home mortgae, home finacing, or home equity question answered in this area then please ask a question here
Answers by Expert:
©2009 About.com, a part of The New York Times Company. All rights reserved.