Today's Mortgage Market is very different from even two or three years ago. When I started as a Loan Originator, there were very few loan programs and even fewer Investors. Fast forward to today and there are hundreds of investors and thousands of loan programs for all types of credit, and the use of automated underwriting has sped up the approval process and increased availability of loan programs for everyone.
Your home is your number one investment and most people treat the mortgage payment as an "expense" that they have to pay. In reality you should think of your loan as a tool, not only to hedge against inflation or a tax deduction but as a way to structure your payments to help you get through everyday life. You can use your home to consolidate your debts and even have an open line of credit in case of emergency.
There is not any one type of client's credit situation that is the same as another and knowing which programs will suit my client's needs the best is what sets me apart from other Mortgage Consultants. I like to think outside of the box and be creative when dealing with the different lending scenarios that come up from day to day. My client's know that when I am proposing a loan for them it is what I think is best for them and their family.
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