www.johncrossmortgage.comFHA, USDA, VA, Conventional, and Jumbo Lending, along with NON QM ( Bank Statement Lending ) Commerical Lending - We can help you build your next project.We Lend both in Texas and California, and will be in Arkansas, Colorado, Florida, and Nevada

Select music for Band and Artist.Transcribe musical compositions and melodic lines to adapt them to a particular group, or to create a particular musical style.Meet with composers to discuss interpretations of their work.Audition and select performers for musical presentations.Conduct guest soloists in addition to ensemble members.Consider such factors as ensemble size and abilities, availability of scores, and the need for musical variety, in order to select music to be performed.Direct groups at rehearsals and live or recorded performances in order to achieve desired effects such as tonal and harmonic balance dynamics, rhythm, and tempo.Meet with soloists and concertmasters to discuss and prepare for performances.Plan and schedule rehearsals and performances, and arrange details such as locations, accompanists, and instrumentalists.Position members within groups to obtain balance among instrumental or vocal sections.Study music scores to learn the music in detail, and to develop interpretations.Conduct recordingsUse Logic/ Native Instruments/ Spectrasonics and other Software Applications to develop both music scores as well as compositions.

Originate Loans for USDA, VA, FHA, Conventional, Investment properties, ETC.• Markets and promotes Berkshire lending’s financial products;• Originates a minimum of 3 purchase transactions per month, by taking complete and accurate loan applications, using Berkshire’s product set.• Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required.• Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers.• Evaluates Berkshire Lending’s and other loan products and services and determines which financial products best meet the customer’s needs and financial circumstances.• Advises the customer regarding the advantages and disadvantages of different loan products.• Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information.• Oversees the loan process by monitoring loan status and ensures conformity with terms.• Negotiates terms and conditions of loans with customers.• Maintains a professional image and adheres to standards consistent with company policies and procedures.

Banker for both business and personal. Home Mortgage/ Home Equity lines of credit