Financing a home is the largest financial decisions most consumers ever make. With so much financial risk, homebuyers need a trusted, professional mortgage advisor. Bob understands that how individuals and families manage their debts is just as important as how they manage their assets. Bob makes sure his clients understand how to incorporate the “three financial miracles” into their mortgage planning.
Bob is one of fewer than two hundred originators, nationwide, to be certified by the National Association of Mortgage Professionals as a Certified Mortgage Consultant (CMC). There are fewer than 25 CMC’s in the entire State of California.
Bob has been originating mortgages for 33 years. He has personally funded, more than, one-half billion in production and has overseen the origination of another billion plus in mortgages as a producing manager. He works proactively with his clients and referral partners to make the home financing process a superior experience.
Bob combines client education with up-front fee disclosure so his clients can quickly make an informed choice on financing and complete the approval process in a timely manner. Bob works proactively with his clients and referral partners to make the home financing process a superior experience for all. Unlike most originators, Bob focuses on referrals and repeat business, so he can focus his time and energies on education and communication with his clients and referral partners.
Bob has held a variety of positions in the retail loan origination profession, ranging from loan officer to vice president of production. Bob has worked for portfolio lenders, mortgage bankers and as a mortgage broker.
Bob’s other passion is Real Estate. “I was raised by a father that obtained a Real Estate license as a hobby”. Bob grew up watching his father invest in Real Estate and after graduating from college formed a real estate investment partnership with his brother and father. They own single family homes, apartments and small commercial properties, primarily in the Bay Area.
Bob loves working with first time homebuyers, move up buyers and investors. Bob’s clients are always amazed at his thorough subject matter knowledge as well as the time he takes to explain the process of financing and buying a home.
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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