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Degrees
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BS General Mgmt - Finance PURDUE UNIVERSITY, - Completed Mortgage Bankers Assoc. of America Courses:
Processing the Loan - 1980
Mortgage Loan Underwriting - 1994
- Completed H & R Block Basic Income Tax Preparation - 1997
-Continuing Education from attending seminars:
Underwriting the Self Employed Borrower
Loan Prospector - FHLMC
Desktop Origination - at FNMA
-Former RMU Member of National Association of Review
Appraisers and Mortgage Underwriters
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My Expert Service
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have been quoted in THE WALL STREET JOURNAL, on MSN.COM and recently appeared on CNBC during the evening Business News. I am not a mortgage lender, I am an Underwriter. What is an underwriter? The person responsible for approving mortgages. I have spent YEARS learning all the ins and outs of the business and can help YOU save headaches and THOUSANDS.
By getting information straight from an underwriter you can get valuable, unbiased, bottom line facts about the whole process.
Getting a mortgage is a major commitment that could affect you for the next 30 years. Here's just some of the things you can ask me:
WHAT ARE THE FIRST STEPS TO BUYING A HOUSE?
HOW IMPORTANT IS CREDIT?
WHAT IS A CREDIT SCORE?
HOW DOES YOUR CREDIT SCORE AFFECT THE LOAN DECISION?
WHAT KIND OF MORTGAGE IS BEST FOR YOU?
WHAT IS A BUYDOWN MORTGAGE?
WHAT IS AN ADJUSTABLE MORTGAGE AND HOW DOES IT WORK?
WHAT IS A BALLOON MORTGAGE?
WHAT ARE JUNK FEES?
WHAT IS APR?
WHAT IS AN FHA MORTGAGE? A VA MORTGAGE?
WHAT IS PMI AND WHEN DO YOU NEED IT?
WHAT ARE RATIOS?
HOW MUCH DOWNPAYMENT DO YOU NEED?
HOW DO CHILD SUPPORT PAYMENTS AND 401K LOANS AFFECT QUALIFYING?
WHAT IS SUBPRIME CREDIT?
WHAT IS AUTOMATED UNDERWRITING?
WHAT ARE THE PITFALLS OF A LEASE PURCHASE?
WHAT PAPERS DO YOU NEED TO APPLY FOR A MORTGAGE?
WHAT IS 'LOCKING-IN' VERSUS 'FLOATING'?
SHOULD YOU REFINANCE NOW?
WHAT IF YOU ARE GETTING DIVORCED AND REMAINING IN THE HOME?
WHAT IS THE BEST WAY TO BUY A HOME FROM A FAMILY MEMBER?
WHAT IS A CASH-OUT REFINANCE?
WHAT IF YOU WERE ALREADY TURNED DOWN FOR A MORTGAGE?
Read what my clients have to say
TESTIMONIALS: I was very impressed with the concise answers that were supplied me with during my consultation!! Consultation was very informative! Thanks. -D. Griffin
I was recently remarried this past year and my new hubby had some previous credit problems due to his divorce. Being in my 40's and never having problems in the past I really didn't know what to do or who to turn too. She was so easy to talk to: asking only the questions that needed asking, never passing judgment and giving sound, professional advise on how to map out a sensible strategy to overcome this. With her carefully laid out plan I am confident we will secure the best loan at the least interest rate. - RA Curb, Birmingham, AL
I just had to write to thank you! I almost made the biggest mistake of my life taking that loan at the higher interest rate. Thanks for telling me about first time homebuyers programs and letting me know I can qualify. Thank you for being so patient too, since I am so dumb about mortgages. You say things in ways that I understand. Thanks again! - D. Monks, St. Louis, MO
Here are just a few of the reasons why more people come to me for mortgage advice:
I can go over every part of the mortgage process , answering all your questions including how much you qualify for and what type is mortgage is best for you!
Because I am not a mortgage lender, you get to pick my brain and ask me anything you'd like to know and I will give you nothing but facts. NO QUESTION is too dumb!! "Except the one not asked"!! I can explain anything you don't understand so that when you apply for your mortgage you can know what the loan representative is talking about!
What are you Waiting for? Call me Today!
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Experience & Qualifications
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22 Years in various positions in mortgage industry.
From Loan Originator to Closer.
Most experience as a mortgage underwriter.
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Available Modes Of Communication
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email/chat
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Most Recent Client Reviews
(Read all 7 reviews)
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by
Ashley
on
Mar 19 2008
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by
dreamer1003
on
Jan 10 2008
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by
Anonymous
on
Jan 10 2008
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Thank you!
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by
nenecares
on
Dec 10 2007
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Excellent advisor...answered my questions in a detailed manner.
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by
simvany1228
on
Jul 30 2007
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(Read all 7 reviews)
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Contact
Diane Advisor
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