• Meet with clients to understand their financial needs and goals related to purchasing a home.• Evaluate clients' credit histories, income, and financial status to determine their eligibility for a mortgage.• Guide clients through the mortgage application process, helping them fill out necessary forms and gather required documentation.• Provide information on various mortgage products, including fixed-rate and adjustable-rate mortgages, to help clients choose the best option.• Issue pre-approval letters to qualified clients, giving them an estimate of the loan amount they can afford.• Advise clients on locking in interest rates and explain the terms and conditions of rate locks.• Submit loan applications to underwriters for approval, ensuring all information is accurate and complete.• Work with real estate agents, appraisers, and title companies to ensure a smooth and timely loan process.• Ensure all loan transactions comply with federal and state regulations.• Maintain communication with clients throughout the loan process, addressing any questions or concerns.• Facilitate the loan closing process, ensuring all final documents are signed and funds are distributed appropriately.• Provide post-closing support and answer any questions clients may have about their mortgage.

• Licensed Real Estate Agent since 1999.• Licensed Real Estate Broker since 2003. • Promote sales of properties through advertisements, open houses, my investor group and participation in multiple listing services. Inspect condition of premises, and arrange for necessary maintenance or notify owners of maintenance needs. Advise sellers on how to make homes more appealing to potential buyers.• Generate property lists, assess properties, and schedule client showings.• Evaluate comparables; advise clients on market conditions, prices, mortgages, legal requirements and related matters.• Confer with lenders, contractors, home inspectors, escrow companies, and pest control operators to ensure that terms and conditions of purchase agreements are met before closing dates. Present purchase offers to sellers for consideration. Coordinate property closings, insuring timely signing of documents and disbursement of funds.

Choice Home Team, Inc. is a licensed and insured building and remodeling company.

I have been a licensed Real Estate Agent since 1999 and a licensed broker since 2003.