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Expertise
I can answer questions about home mortgage financing, the difference between a mortgage banker and a mortgage broker, fees involved in purchasing a home and refinancing a home or obtaining a home equity loan and the difference between a 1st & 2nd mortgage and the option to have PMI (Private Mortgage Insurance) Jumbo loans, conforming and non-conforming loans.
Experience in the area
I have been a closer, processor and operations manager and currently a account executive for a national mortgage banking company. I have been in the field for 25 years.
Education/Credentials
Real Estate License & 25 years field experience with many national mortgage banking companies.
Awards and Honors
Top sales person, employee of the month, highest sales award
Past/Present Clients
personal home buyers
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Alex | 10/15/09 | 10 | 10 | 10 | 10 | Thank you for your response. I will ..... |
| robert | 10/08/09 | 10 | 10 | 10 | 10 | |
| Kevin | 09/29/09 | 10 | 10 | 10 | 10 | Thank you for the very quick response ..... |
| Amanda | 09/03/09 | 10 | 10 | 10 | 10 | |
| Scott | 07/28/09 | 10 | 10 | 10 | 10 | Thank you for the information and how ..... |
Recent Answers from Denise Monaco
2009-11-17 Broker negligence?:
Hi Terry, I'm sorry to hear that, if you were not approved for a loan you will not be held responsible for the deposit and it will be returned to you. I would like you to call and we have many solutions
2009-11-11 Mortgage:
Hi Angela Typically the owner can refinance after 6 months however at that time it would go off of the price they purchased the property for, after 1 year they can go off of the value of the property
2009-10-29 PMI Question:
They are supposed to cancel the PMI automatically when it reaches 78% however with the industry the way it is the guidelines are constantly changing. I would contact them and see what their new procedure
2009-10-14 Refinance question:
Most realtors will provide the CMA for free, you can tell them you are thinking of selling and just need to know what the house is worth, you have no obligation to use them. Many people get a CMA now
2009-10-13 Refinance question:
Hi Alex The current situation of our economy is making the guidelines so hard for people to refinance. All lenders are under new appraisal rules which doesn't allow them to pick their appraiser. They
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
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