What Sets Me Apart
Getting You Mortgage Ready!
When you borrow money to buy your home, you apply for a residential mortgage. For some, this is an easy process. But for others, you may have roadblocks that need to be handled first. So, what do you do if you've been told "fix your issue and come back" and you have no idea how to "fix it"? I can help.
Specialty #1
Down Payment Assistance
Availability of DPA funds is the 2nd highest client need. More and more prospective homebuyers find themselves competing with cash buyers. Having a variety of DPA funds available helps these clients to be competitive.
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Specialty #2
Student Loan Repayment Plans
Student loan debt payment has restarted but with a new wrinkle... servicers don't report delinquency until you are 90 days late, causing credit scores to drop 100 to 180 points! This can stop you from getting a mortgage for 9 to 15 months. Whether you are facing an affordability issue or the negative fallout, please connect with me now. There are ways we may be able to increase your scores sooner and even solutions for default.
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Specialty #3
Help With Credit
Dealing with multiple credit issues is the primary issue that faces pre-purchase clients. Fixing credit issues requires attention to detail, interacting with creditors, and advocating for your rights. You also need someone in your corner that knows the system.
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Specialty #4
Working with a HUD Counselor
Determining your budget is a balancing act: What do you want? What do you need? What can you afford? What can you sacrifice? That's why all HUD HCA's have home budgeting help built into the organization education.
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