You are here:
Real Estate Home Mortgages/Denise Monaco
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 |
|---|---|---|---|---|---|---|---|
| 2009-10-15 | Alex | 10 | 10 | 10 | 10 | No | Thank you for your response. I will follow-up as soon as I get the definite appraisal. |
| 2009-10-08 | robert | 10 | 10 | 10 | 10 | Yes | |
| 2009-09-29 | Kevin | 10 | 10 | 10 | 10 | No | Thank you for the very quick response. |
| 2009-09-03 | Amanda | 10 | 10 | 10 | 10 | Yes | |
| 2009-07-28 | Scott | 10 | 10 | 10 | 10 | No | Thank you for the information and how quickly you responded. It helps alot. The reason I am asking these questions is b/c my girlfriend and myself are looking at homes... unfortunately my credit is pretty bad, but I want to make sure I can decipher everything and make sure she doesn't get charged out the wazoo. A friend of mine worked as a loan officer at some place and told me that a guy he worked with would try to add 7 points. That's basically where most of my questions stemmed from. So the maximum that can be charged on the back end is 3.5%? I'm assumin that's 3.5 points?! And if you charge 1.5% above par you get that percentage AND it's tagged on to the points you're making (2 + 1.5)? This is freaking complicated stuff. Thank You. |
| 2009-07-21 | caralinda Quinlan | 10 | 10 | 10 | 10 | No | |
| 2009-07-08 | Jennifer | 10 | 10 | 10 | 10 | No | Thanks for the promptness! |
| 2009-07-06 | Hillary | 10 | 10 | 10 | 10 | No | |
| 2009-06-26 | judy | 10 | 10 | 10 | 10 | Yes | Thank you so much for your answer |
| 2009-06-03 | Julie | 10 | 10 | 10 | 10 | Yes | |
| 2009-06-02 | judy | 10 | 10 | 10 | 10 | Yes | Thank you Denise for your answer. It was great! |
| 2009-05-21 | jayne | 10 | 10 | 10 | 10 | Yes | Denise gave me good information plus more advice about buying and leasing that I didn't even know. I will probably ask her another question soon. thanks. |
| 2009-05-14 | Jennifer | 9 | 9 | 10 | 10 | Yes | |
| 2009-04-23 | chris | 10 | 10 | 10 | 10 | No | Fast response. Gave exact answer to question. Thanks!!!!! |
| 2009-03-19 | april | 10 | 10 | 10 | 10 | No | Thanks a bunch, you have been very helpful |
| 2009-02-20 | Barbara | 10 | 10 | 10 | 10 | Yes | Thank you very much! |
| 2009-02-20 | Rex | 10 | 10 | 10 | 10 | Yes | |
| 2009-02-04 | Brian | 10 | 10 | 10 | 10 | Yes | Thanks, very helpful. |
| 2009-01-28 | Rafa | 10 | 10 | 10 | 10 | Yes | |
| 2009-01-21 | Diane | 10 | 10 | 10 | 10 | No | thank you! |
| 2008-09-22 | Terry | 10 | 10 | 10 | 10 | Yes | |
| 2008-09-17 | Home refinancer | 10 | 10 | 10 | 10 | Yes | |
| 2008-08-21 | John | 10 | 10 | 10 | 10 | Yes | thanks you very much |
| 2008-08-09 | real estate greenie | 10 | 10 | 10 | 10 | Yes | |
| 2008-07-23 | Debbie | 10 | 10 | 10 | 10 | Yes | Denise, Thanks for all your advice. I realize you can only answer based on the limited info you know but at least it has made me feel a bit better about my situation. Deb |
| 2008-07-23 | Debbie | 10 | 10 | 10 | 10 | Yes | Thank you for the advice. |
| 2008-07-23 | Debbie | 10 | 10 | 10 | 10 | Yes | Thank you. |
| 2008-06-02 | Kirstie | 10 | 10 | 10 | 10 | No | Thank you for your prompt and helpful response! |
| 2008-04-12 | kevin | 10 | 10 | 10 | 10 | No | thanks |
| 2008-04-02 | Scott | 10 | 10 | 10 | 10 | No | Thanks! |
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:
Denise Monaco
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
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
©2009 About.com, a part of The New York Times Company. All rights reserved.