With 16 years of residential lending experience, I understand the fast-paced Bay Area real estate market and how to put my clients in a strong position to beat out the competition when buying a home. I’ve worked with people from all walks of life in the Bay Area, ranging from first-time home buyers to move-up clients who want a bigger home or better location for work or schools.
Having the mortgage banking resources at Finance of America, enables me to offer not only a wide array of loan products to fit different people’s needs, but also to provide smoother service. This is because there is generally one set of operating procedures with the bank rather than several in dealing with multiple lenders on the wholesale side of the business where I spent numerous years. Having direct access to Holmgren’s executive, operations and marketing personnel is also a huge plus.
I take pride in providing helpful mortgage advice by understanding what drives my clients – their goals, motivations and needs. Combining my business experience in real estate finance and marketing, I strive to fit the mortgage piece into a client’s overall financial picture to help strengthen their overall economic standing. This strategy helps foster long-term relationships because clients understand that that I care about their well-being.
“Helping families finance their future” is my motto, and my definition of ‘family’ has wide meaning given California’s diversity. Helping make the world a better place is also a driving force for me.
I earned a B.A. in English from U.C. Berkeley and a teaching credential from S.F. State. I live in Oakland with my two sons.
Expertise: mortgage planning, purchase, refinance, rehab-construction financing, home equity, reverse mortgage, FHA and VA financing.
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
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