Branch Manager Senior Residential Loan Officer
CurrentHaving been originating in the industry since 1997, I have seen many changes. However, one thing that has not changed for me over the years, is the amount of time that I take with each client in providing the necessary handholding services during the sometimes complex mortgage application process. I make sure all my clients feel comfortable from start to finish by making sure they know my mantra, that the only dumb questions are the ones you don't ask. I like to laugh with my clients to help ease the pressure that is often felt during this process. I take the time to explain a variety of mortgage products and services available, in order to offer recommendations based on evaluation of my individual client's needs. I not only provide detailed explanations of the information required, but also the reasons behind those requests. During all other aspects of the loan process, I ensure applications are completed accurately to contain required information and supporting documentation to deliver loan decisions quickly, on-time and eliminate surprises all locally and under one roof. It is for this reason that more than 95% of my business is personally referred to me by not only my past customers, but Realtors, Builders CPA's and Attorneys. Offering a multitude of “Non-QM” products such as ~ Bank statement, DSCR loans, Non-Warrantable Condos, Foreign National, Manufactured Homes (not in parks), Bridge/Swing Loans, as well as Renovation loans, 30 year term Home Equity loans, Doctor Programs, Reverse Mortgage, ITIN, Zero Down FHA, PHFA, VA, USDA, FHA 1% down and Conventional• NMLS #615769, I am authorized to do business in the states of Florida, New Jersey and Pennsylvania. Licensed by the N.J. Department of Banking and Insurance; Branch NMLS #2161897, Guild Mortgage Company; Equal Housing Opportunity; NMLS#3274(www.nmlsconsumeraccess.org/). For more licensing information, please visit www.guildmortgage.com/licensing
