Bret Temple - Real Estate Home Mortgages - Home Buying/Selling - Real Estate

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Expert Profile: Bret Temple

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 consolodation, 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 thourough 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

Ask a Question	View Past Answers	View Ratings

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.

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.

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.

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.

Average Ratings
Prestige Points: 1760
Knowledge	9.89 Best of the best
Clarity of Response	9.88 Best of the best
Timeliness	9.96 Best of the best
Politeness	9.95 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)		166

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	09/29/08
10	10	10	10	09/29/08
10	10	10	10	09/13/08
10	10	10	10	08/27/08
10	10	10	10	08/26/08

User Comments

Thanks so much for the quick, helpful response!
(Brian on 09/29/08)

Thanks Bret.
(Joe on 09/13/08)

Respond very professional and quick. I am impress.
(Hai on 08/27/08)

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Ask a Question	View Past Answers	View Ratings

Recent Answers from Bret Temple

2008-09-28 Chapt 13 with home loan: Hi Tina, AS far as qualifying for a home loan with a Bankruptcy, it first must show that's its been discharged. The lender looks at the discharge date. It use to be we could do a loan when someone had...

2008-09-26 realestate: Hi Edwin, If I'm understanding you correctly, you mean a 1 year fixed ARM that is amortized over 25 years? The type of loan program you pick is completely up to you and what your needs are. If your...

2008-09-16 PAYING OFF ONLY COLLECTION ON CR: Hi Thomas, It depends on how old the collection is. If it's recent, pay it off. If it's really old, leave it alone, and let the lender dictate what they want you to do. Most likely they won't care about...

2008-09-12 hard money loan against my residence: Well it all depends on what terms you and the lender decided on. The terms of the loan including pay back and recourse should have been documented on the Promissory Note. Clearly the lender probably forgot...

2008-09-01 quit claim vs trust in divorce action: Hi LeAnn, I don't know much about joint trusts. My suggestion is to do the refinancing prior to the divorce and as long as your lawyers know what your doing and can arrange that for you. I don't want...

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