I am local licensed Pennsylvania Mortgage Banker based out of Central PA that specializes in FHA, USDA, VA, PHFA, 203K and Conventional Products. With experience in writing loans for over a decade and a half I pride myself in detail and the customer experience. My independence as a private direct-lender means I have the ability to offer rates and terms other lenders can't. Each client, each day, is a new opportunity to build my reputation and invest in years of expertise by guiding our customers through today's challenging home financial decisions. Be it a purchase of a home, debt consolidation, refinance, investment or second home let myself help you with all of your residential financing needs. I am also a proud member of the Presidents club for the past 7 years, and outside of work I spend my time with my family, sports, and my feet in the sand.
Purchasing A New Home
My philosophy is to not only build loans but build relationships, and help guide you through the following steps necessary to achieve a successful Real Estate Transaction:
Step 1: Get Your Finances in Order
Your credit reports are an ongoing look at how you manage your finances. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you. If you haven't looked at your credit reports, you might be surprised at their contents, because errors are common.
Step 2: Get Familiar with the Mortgage Industry
Finding the right loan is crucial to your home buying success. We. can help you understand what is available to suit your needs. Their help and expertise will help you make an informed decision and they will guide you throughout the entire process.
Step 3: Get Pre-Approved for a Mortgage
Do you know how much house you can afford? Probably not ! Our Pre-approval gives you that competitive edge over other house hunters. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from us that states she is pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which offer do you think the seller will consider first?
Step 4: Determine Your Wants and Needs
Buying a home isn't as difficult as you might think, even if you're short on funds, but the process will go a lot smoother if you let us help you get familiar with your real estate market and narrow down your wants and needs before you start looking at houses.
Step 5: Learn to Work with Real Estate Agents
Real estate agents represent buyers, sellers, or both--and in some states they can work as neutral facilitators for either party. It's essential to understand agent duties and loyalties before you make that first phone call.
I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.
I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.
Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.
I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.