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Real Estate Home Mortgages/Jacqueline Kounkel
All Reviews from Users
Column Headings: K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness
N = Nominated for Expert of the Month
| Date | User | K | C | T | P | N | Comments |
|---|---|---|---|---|---|---|---|
| 2009-08-14 | Chris | 10 | 10 | 10 | 10 | Yes | Thank you for the quick turnaround - much appreciated! |
| 2009-08-01 | david | 7 | 8 | 6 | 10 | No | Thank you. |
| 2009-07-22 | Aly | 10 | 10 | 10 | 10 | Yes | Thank you so very much. I was told that it wasn't possible to get around this. |
| 2009-07-22 | Patricia | 10 | 10 | 10 | 10 | Yes | |
| 2009-07-22 | Patricia | 10 | 10 | 7 | 10 | Yes | day 145 of loan process |
| 2009-06-25 | Heather | 10 | 10 | 10 | 10 | Yes | |
| 2009-06-22 | Tom | 10 | 10 | 10 | 10 | Yes | Great conversation over the phone! |
| 2009-06-22 | Eddie | 10 | 10 | 10 | 10 | Yes | Thank you very much. |
| 2009-06-14 | Nancy Abruzzo | 10 | 10 | 10 | 10 | Yes | Thank you for your help. It was a great place to start. |
| 2009-06-13 | david | 10 | 8 | 10 | 10 | No | Thank you! |
| 2009-06-05 | judy | 10 | 10 | 10 | 10 | Yes | Thank you so much for your answer. It's very good |
| 2009-05-08 | GRM | 10 | 10 | 10 | 10 | Yes | Thanks for the assistance. It was very clear and helpful. |
| 2009-04-30 | John | 10 | 10 | 10 | 10 | Yes | Very quick specific answer. |
| 2009-04-29 | John | 9 | 10 | 9 | 10 | No | Thx so much. I realize that the cash-out aspect of the thing is an issue. We have a second home in the desert that is on leased indian land. Now the indians have gotten permission to sell us the land via our HOA. It has to be a cash transaction. We will not have a deed on the land for 90 days after funding. One possiblity is to refi the full balance with one new 1st Jumbo I/O. Then after a while, and hopefully before this Fall when we need to pay the Indians, get a small HELOC. We have pleny of equity. We have an appraisal done by a lender's appraiser at $1,100,000. We no longer have any equity on the home in the desert. On the credit score issue, I have co-signed for student loans for my son. They are dragging down my score in a major way. My partner's scores are higher, in the low 700s, which used to be all you needed in these circumstances. Another option is to wait a few months. I gather from what you said that maybe the score requirements will lighten up a bit and jumbo money will become ..... |
| 2009-04-17 | John | 10 | 10 | 10 | 10 | Yes | Jacque: Thanks for reply and kind words. I was also hoping to get some kind grant from some agency maybe outside of the Fed or whatever. Any suggestions would be appreciated. |
| 2009-04-11 | jim | 10 | 10 | 10 | 10 | No | thanks |
| 2009-03-30 | E.P. | 10 | 10 | 9 | 10 | No | Great thanks for the info!! |
| 2009-03-23 | april | 10 | 10 | 10 | 10 | No | Thank you very much for your response and helpfulness. |
| 2009-03-09 | Cherhonda | 10 | 10 | 10 | 10 | Yes | Thank you for your advice. I will contact HUD. Cherhonda |
| 2009-02-24 | Kayla | 10 | 10 | 10 | 10 | Yes | Thank you so much for your prompt response and your offer to continue to assist me should I need it. I sincerely appreciate it! |
| 2009-02-20 | Deborah | 10 | 10 | 10 | 10 | Yes | |
| 2009-02-10 | Esther | 10 | 10 | 10 | 10 | Yes | Boy! That was very prompt and thanks for clarifying your answer. Now I understand. |
| 2009-02-04 | Rose | 10 | 10 | 10 | 10 | No | Thanks. |
| 2009-01-26 | Kyle | 10 | 10 | 10 | 10 | No | |
| 2009-01-20 | Joe | 8 | 9 | 10 | 10 | No | |
| 2008-11-04 | Kay | 10 | 10 | 10 | 10 | No | |
| 2008-09-17 | THOMAS | 10 | 10 | 10 | 10 | No | |
| 2008-09-11 | JOHN | 7 | 10 | 10 | 10 | Yes | Thank you Jacqueline, I know there's a prepayment penalty on the loan. I was wondering if it was in the New Housing Bill or not. I may have the borrower call you for your help, I'm a LO trying to get some answers for them. Again, thank you. |
| 2008-08-28 | TB | 10 | 10 | 10 | 10 | Yes | Thank you for this very useful information, it will be a huge help! |
| 2008-08-28 | Jeff Gravely | 10 | 10 | 10 | 10 | No |
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:
Jacqueline Kounkel
Expertise
I am able to lend in every State. I specialize in large money deals, jumbo and super jumbo home loans, construction, permanent financing, refinancing, purchases, lines of credit and cash out transactions for residential homes. I can answer questions for you regarding what to look for when choosing a lender or Mortgage Broker. I can assist with questions that you should always ask when shopping for a loan. I will help you to protect your credit score while shopping for a loan. I understand that shopping for the best mortgage is about more than just a rate and my clients needs are always kept in my best interest. Besides getting you the most competitive rate, I will also help you decide which program guidelines are most likely to accept your unique qualifications. Together we will determine which programs will ultimately save you the most money. I will make sure you avoid “bait-and-switch” offers, prepayment penalties and hidden fees. Sometimes a low rate on the wrong loan could COST you thousands of dollars! I can help you to understand your Closing documents, Your Good Faith Estimate, the dynamics of your loan and how it works. I work with my clients for the life long relationship, the lowest rates, and conservative closing costs.
Experience
I can offer clients an unmatched variety of loan programs designed to suit the borrowing needs of every lifestyle. Whether you are looking for a conventional program or one especially suited to a unique circumstance, I have the necessary tools to serve the best interests of my clients and provide mortgage financing to all kinds of buyers. I have worked in the financial industry for 15 yrs and love what I do.
Organizations Chamber of Commerce, DRA, SMDRA, Colorado Business Group and SEC Kids Care Volunteer Publications
Education/Credentials ACC degree in Banking and Finance
Awards and Honors Top Producer, Circle of Excellence, Customer CARE, President's Club Member
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