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  You are here:  AllExperts > Real Estate > Home Buying/Selling > Real Estate Home Mortgages

Expert Profile: Stacy

Expertise:  I can provide answers for Conventional, FHA and VA Mortgages. I can provide information about brokers and bankers. Answers to fees and what is considered excessive. Respa and Compliance. I am currently a Government underwriter and a loan officer. I believe Knowledge is KEY to any homebuyer or homeowner. I have recently found that some lenders dont understand borrowers in chapter 13 bankruptcy. I have the knowledge to help borrowers in need

Experience in the area
I have been in the mortgage field for 17 years. I have worked for title companies, Mortgage lenders and Banks. I have assisted organizations and lenders traning for Government loans. I am a current Direct Endorsement Underwriter for FHA

Education/Credentials
No College Degree, However in the Mortgage Industry you learn by doing. I have a to be able to look myself in the mirror and know what I have been doing is right for the consumer.

Awards and Honors
President Award for Corporations

      View Past Answers       View Detailed Ratings            
What do you like about this subject?  I enjoy helping borrowers. I also want to help the consumer in making sure they are not getting charged excessive fees and or rates.
What do you still hope to achieve/learn in this field?  I hope to help homeowners and home buyers in the confusing home mortgage process.
Something interesting about this subject that others may not know:  I have done everything in the mortgage business,except appraisals on homes. I have an understanding of what is needed for borrowers.
Something controversial or provocative about this subject  I believe the crisis we are in is due to the government when they changed the bankruptcy and credit card laws.
Average Ratings
Prestige Points: 490
Knowledge   10.0   Best of the best
Clarity of Response   9.87   Best of the best
Timeliness   9.47   Excellent
Politeness   10.0   Best of the best
Number Of Questions
(in Past 24 Hours)
0
Max Questions to be Asked
(in 24 Hour period)
5
Total Questions
(since joining AllExperts)
50
Recent Reviews from Users
KnowlClarityTimePolitenessDate
1010101011/09/08
1010101006/23/08
1010101006/20/08
1010101006/09/08
1010101006/02/08
User Comments
Thank you very much, most people dont want to give advise, I think sometimes people with financial issues are looked upon different. Your opinions we
(Renee on 11/09/08)
I like it. You are always ready to solve questions where we need. Thank You Very Much ! Keep It Up.
(Govil on 06/23/08)
Great, thanks very much!!
(Jan on 06/09/08)
Thank you very much for such a quick response. You've given me a direction to go outside my current lendor.
(Tasia on 06/02/08)
View All Comments
      View Past Answers       View Detailed Ratings            

Recent Answers from Stacy
2008-11-07  Assuming A Mortgage If you know who the current mortgage holder is, you may want to call them and see if the loan is assumable. They may be ok with you taking over payments. The lose if they foreclosed may be bigger than...
2008-11-04  Second Mortgage Foreclosure In order for the 2nd mortgage lender to take your home, it would have to payoff your first mortgage. Depending on what equity you have in your property will determine if they will payoff the first.If you...
2008-11-03  Good Credit, Great Job..... If she will not live in the property at all, then it can't be a second home. She would have to do it as an investment property. If she does it as a second home and doesn't plan on living there at all then...
2008-11-03  Good Credit, Great Job..... First of all if she has not intention of every occupying the property then it is not a second home. It would be an investment property. I know that is not what you wanted to hear. If she does plan on occupying...
2008-06-29  a loan ? Stephen The general rule is 2 years from discharge. However if you filed BK due to medical or death of spouse then the wait period can be waived. It used to be that you would have to also established...
More Answers for "Real Estate Home Mortgages"


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