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16 Years Experience in Residential Mortgage Lending
HUD Licensed 203(k) Consultant
Contract HUD 203(k) Speaker/Instructor
HUD DE Underwriter
Licensed MHIC, Md. Home Improvement Contractor
Homebuilder since 1999
Licensed Maryland Auctioneer
US ARMY OFFICER (Helicopter pilot / Special Forces)
203(k) Detailed Experience
With broad experience in the Baltimore-area real estate market as a homebuilder, contractor, realtor, mortgage lender, and underwriter, I have been helping clients through the renovation loan process for more than 16 years. I specialize in federal Department of Housing and Urban Development (HUD) 203K loans and have written more than 3,900 of these mortgages since 1995. In addition to working with individual borrowers, I have taught numerous classes and seminars on the 203K process for lenders, nonprofits, homebuyer groups, and HUD, as a contract speaker. I'm a certified HUD direct endorsement (DE) underwriter and licensed 203K consultant.
As a Maryland Home Improvement Commission licensed contractor, I offer a practical understanding of the renovation process and can help you navigate all facets of financing and renovating your new home. I have firsthand experience with the financial nuances of writing 203K loans and the technical requirements placed on the contractors you will hire to do the work. Working with me and my team, you'll avoid all the common pitfalls less experienced lenders encounter when trying to write these specialized mortgages.
I urge my clients to check the references of any loan officer and company you consider hiring. Always request their NMLS license numbers and confirm they don't have a history of complaints... When you choosePrimeLending,you can be CONFIDENT you've placed your home project is in the hands a team with the experience and leadership to ensure a smooth 203K loan and renovation process.
I recently completed my 203K loan process with Brent Kluge and wanted to personally thank him for all of his hard work and follow through on my behalf. I feel Brent's knowledge of the renovation loan process and professional construction background were the key to his ability in recommending the proper 203K loan. His construction projections and analysis were "spot on". With his expertise and knowledgeable background, I was not only able to complete my renovation project with ease, but afforded me a comfort level through the entire process by quickly responded to any questions that arose and followed through on any commitments relating to my project.
I would strongly recommend Brent to anyone considering buying a home they see has a lot of potential , whether it requires minor or major repairs. Brent can walk you through the entire process from A to Z and help you make the right decisions in getting your dream house. He did for me.
Once again Brent, I sincerely appreciate the effort and time you dedicated into making my project a reality.
Brent Kluge is a long-term veteran of the mortgage lending business and is an expert in the renovation lending arena. He has taught many in the industry as to the complexities of FHA 203K financing as well as the Fannie Mae Homepath and Fannie Mae Homestyle renovation programs. There is no one in the industry who understands better the level of detail necessary in bringing together all of the pieces needed to complete the puzzle otherwise known as residential renovation financing. Working with Brent is certain to guarantee you as a buyer the reality of not only homeownership, but the home you want and in the condition you want on the day you move in.
Brent has an immense amount of experience and knowledge with regards to the 203k loan process. Many lenders will attempt to take on 203kloans but do not possess the required skills to complete the process successfully. Brent is an example of a consummate renovation loan professional. In the end, the goal of the entire loan process is to end up with the house you want and a great loan package you understand and are comfortable with. Brent helped us accomplish both of these goals with a high degree of professionalism.
Brent brings an amazing amount of knowledge regarding the loan process and all of the intricacies of the 203k. He is singularly focused on meeting his client's needs and works hard to get the job done. The Realtors in my company have closed many transactions with Brent with rave reviews! The 203k is a great program that needs an experienced professional to get the best results with the fewest hassles - Brent Kluge makes the process work!
Having Brent handle our 203k rehab brought a level of reassurance to the process that I can't imagine could be found elsewhere. He personally came out to the property before we placed our bid and did an informal overview of what he felt the rehab would involve. His estimate was right in line with what the 203k inspector determined. After our bid was accepted Brent helped us navigate the sea of contractors and let us know when someone was trying to push us into something we didn't need done or was simply overcharging us. In this regard he helped us stay on budget and literally saved us thousands of dollars. The peace of mind that came from knowing we had a truly knowledgeable expert in our corner was also fantastic. Brent clearly knows the 203k process inside and out and works hard to make sure it proceeds smoothly and fairly in his client's favor.
Thanks to Brent, we have a freshly rehabilitated home that we absolutely love (and kept our sanity in the process).
Brent's expertise and knowledge of the 203K far exceeds any other lenders I have worked with. This knowledge helps to prepare the buyers expectations, making the complex process of buying and renovating a home easier and less stressful. His loans have always settled on time, and the buyers have always been happy with Brent's service and hands on approach. I won't use anyone else for renovation financing.
St. Casimirs Savings Bank is one of the strongest community savings banks in the United States. Unfortunately our strength does not allow us to offer the creative renovation programs which Mr. Kluge, represents and offers to his customer base. We refer our customers to Mr. Kluge, when their request for financing and financial services requires renovation financing. I suggest you consider his expertise to coordinate your construction/renovation needs.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.