I was born in San Jose California and call Almaden and Discovery Bay California home. I come from a family of Real Estate Professionals, so the mortgage Business was a natural fit. I started my mortgage career as a licensed loan agent with a small local broker in 1992 moving to a large institutional lender in 1994. From 1994 through 2003 I immersed myself in financial services. I covered all aspects of financial well being from sales to management from investments to insurance. I attained my series 7, 63 and principles license as well as my insurance license always keeping focused on my passion Real Estate Lending and Real Estate Sales. In 2003 I made a career change working in the Non-Profit sector. I applied my background as a foundation to help a small startup first time home buyer center achieve Mortgage Banker Status with the State of California. Helping first-time buyers achieve home ownership using multilayered lending solutions for from County, City and State. Creating a defined process that I use today; helping all customers attain the American dream of home ownership.
Professional Philosophy: My mission is to educate home buyers and homeowners so that they make decisions that have a positive impact on their lives and future generations. Providing superior customer service as if they were a part of my family; creating customers for life.
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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