It seems really hard for me to believe that I have been in the Mortgage Industry now for over 30 years. Where has the time gone???
I started out as a Realtor for a few years and then moved over to lending. I have done everything from working for a Bank to being a partner in a major mortgage company in the Bay Area and was broker to 7 branches and still was one of the top producing agents for the company. I have owned my own mortgage company without partners and now work for a Nationwide Direct lender that has every product imaginable available to us to help our clients. Our underwriting, doc prep and funding all takes place here locally in Folsom, Ca.
My philosophy in lending is that it is important that I present a responsible approach to arranging a mortgage. If we have learned anything at all from the recent mortgage melt down, it should be that just because you can do something, does not necessarily mean you should do it. Just because a program allows for ratios up to 50% of your gross monthly income does not mean that I should recommend that my borrower go that high with their new loan!!! I like to take a “Planning” approach. I don’t just figure out what the most is a client can qualify for but I also work up the payment that is going to work out best in their budget leaving room for “LIVING”.
I also believe that with a purchase, the more that can be done upfront before a client starts to look for homes, the less frustration there will be and less to go wrong on the transaction. I work to get all my clients approved before they go out looking at homes.
My Specialties and Focus as a planner are twofold.
First, I specialize in working with first time home buyers. I am familiar with the down payment assistance programs and tax credits available to buyers and try to educate them on the process and what to expect. Take a look at the First Time Homebuyer video I have on my page.
Second, I specialize in working with seniors in showing them options for helping with their retirement years. We can eliminate a monthly payment , give them monthly income from their home or help them to save for future long term care needs without the expensive long term care insurance premiums, all using their home.
I love being a mortgage planner and feel so grateful and appreciative for having the opportunity to do this for as long as I have!!
On the personal side I have been married to my husband now for over 30 years. I only have one child and that is my husband. I currently have a sweet Jack Russell / Chihuahua dog named Puddin. I am very close with my 5 younger sisters and we get together every summer for a sister reunion. We are spread out a bit so we spend most of the time texting each other on our sister group text and it certainly does help bridge the gap of where we all live. I also have 10 nieces and nephews and now 3 great nieces and nephews. I like to exercise, travel, garden, read and am addicted to watching movies!!!
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.
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