Stephanie Marchisotta Email & Phone Number

As a dedicated Real Estate agent for over 29 years, I am qualified to guide you in Buying or Selling a home. I also have over 15 years of experience in the Mortgage industry. I believe in using my skills in finance, contracts, negotiation and marketing to your best advantage. With my creativity, integrity, honesty, high quality of service and knowledge in all aspects of Real Estate, I provide the best results!

• Real estate sales• Real estate purchases• Real estate home staging• Local real estate market reports• Local real estate market expertise and guidance• Real estate professional referrals (for those moving to another state or country)Provide guidance and assist sellers/buyers in marketing/purchasing property for the right price under the best termsDetermine clients’ needs and financials abilities in order to propose solutions that suit themIntermediate negotiation processes, consult clients on market conditions, prices, mortgages, legal requirements and related matters to their benefit and ensure a fair and honest dealingPerform comparative market analysis to estimate properties’ valueDisplay and market real property to possible buyersPrepare necessary paperwork (contracts, leases, deeds, closing statements etc)Manage property auctions or exchangesMaintain and update listings of available propertiesCooperate with appraisers, escrow companies, lenders and home inspectorsDevelop networks and cooperate with attorneys, mortgage lenders and contractorsPromote sales through advertisements, open houses and listing servicesRemain knowledgeable about real estate markets and best practices

Serve as initial point of contact for the programAct as a liaison between borrower, underwriter, loan originator and lenderProvide customer with timely and periodic status updates of their loan applicationReturn all inquiry calls within one business dayCollect required documentation from applicants and follow up on missing itemsEstablish, maintain, and update files, databases, records, and/or other documents for recurring internal reportsOrder credit reports, title reportsCompile documents for customer files and enter intakes to Data Management System for processing and assessmentAssure that all customer files are complete and in compliance with regulatory agencies and internal policiesEnsure customer privacy, security of files and appropriate staff accessPrepare commitment letter(s), denial letter(s) and cancel files when necessaryMaintain pipeline report and notify management of status as neededProcess the documents received for each file, verifying the accuracy and completeness of each document.Prepare fund request documents for wiring funds to closing.Make recommendations for procedural changes to increase efficiency.

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.Meet with applicants to obtain information for loan applications and to answer questions about the process.Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.Review loan agreements to ensure that they are complete and accurate according to policy.Approve loans within specified limits, and refer loan applications outside those limits to management for approval.Stay abreast of new types of loans and other financial services and products to better meet customers' needs.Review and update credit and loan files.Submit applications to credit analysts for verification and recommendation.Compute payment schedules.Work with clients to identify their financial goals and to find ways of reaching those goals.Confer with underwriters to aid in resolving mortgage application problems.

• Real estate sales• Real estate purchases• Real estate home staging• Local real estate market reports• Local real estate market expertise and guidance• Real estate professional referrals (for those moving to another state or country)Provide guidance and assist sellers/buyers in marketing/purchasing property for the right price under the best termsDetermine clients’ needs and financials abilities in order to propose solutions that suit themIntermediate negotiation processes, consult clients on market conditions, prices, mortgages, legal requirements and related matters to their benefit and ensure a fair and honest dealingPerform comparative market analysis to estimate properties’ valueDisplay and market real property to possible buyersPrepare necessary paperwork (contracts, leases, deeds, closing statements etc)Manage property auctions or exchangesMaintain and update listings of available propertiesCooperate with appraisers, escrow companies, lenders and home inspectorsDevelop networks and cooperate with attorneys, mortgage lenders and contractorsPromote sales through advertisements, open houses and listing servicesRemain knowledgeable about real estate markets and best practices