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20 years business development, management & marketing experience. Mortgage consultant since 2003. Founded First Integrity Mortgage. Co-founded Cipher Lending. MBA, Santa Clara; BSME, San Jose State.
I'm a results-oriented customer advocate with over 20 years combined Sales, Business Development , Management and Marketing expertise. I have a passion for meeting my customers' needs and exceeding their expectations.
I hold an MBA from Santa Clara University and a B.S. in Mechanical Engineering from San Jose State University. I am a licensed California Real Estate Broker with NMLS mortgage endorsement. A mortgage professional since 2003, I joined Prospect Mortgage in 2011, partnering with one of the largest independent retail residential mortgage lenders in the United States. Prior to joining the Prospect team, I founded First Integrity Mortgage and Co-founded Cipher Lending. I also was the broker of record for both firms.
Commitment to My Clients: I take a consultative approach to the mortgage industry to help my clients make informed choices about their mortgage financing options when buying or refinancing a home. Some may view it as simply "doing loans", but I don't look at it like that. In fact, I feel like I'm helping my clients create one of the largest debts they will ever have - a mortgage. And, as a result I feel a professional responsibility to help them integrate the loan they select into their short- and long-term financial and investment goals, while taking into account their objectives for payment, equity and cash flow.
Since 2003, I have worked with countless clients to purchase or refinance their properties. My business has been built primarily by personal referral and repeat business, all of which I feel is a testament to my commitment to my clients. Let's face it, unhappy clients don't come back or refer their friends or colleagues.
My Objective- In short, my objective is to have you jumping for joy, by providing the highest level of service along with competive rates:
Help you determine what you can afford
Explain your options fully
Help you understand your credit
Get you pre-approved early
Help you strategize your financing options
Match loan term to your ownership and financial objectives
Review differences between available loans
Explain Principle & Interest v. Interest Only or any other available options.
Let you know what to expect during the process
Provide clear timeline and milestones
Strategize to best structure your loan and help you get in contract (for a purchase transaction)
Communicate with NO SURPRISES!
Manage your mortgage for you after closing
Manage your mortgage to meet your payment, equity and cash flow objectives
Monitor the mortgage market for future opportunities to save you money
Provide options for Low- or No-Cost Refinancing, as well as other options such as Equity Lines, etc.
Areas of Expertise
Areas of Expertise: I'm often asked if i work in a specific geographical area. My short answer is simple, "Yes, California!" The reality is that while much of my business is in the San Francisco Bay Area where I live, I have clients throughout California, including substantial client bases in both the greater Los Angeles and San Diego areas.
Most of my expertise is in the various aspects of residential lending, although I have done commercial as well. I really enjoy working with a variety of clients, from first time homebuyers to home buying veterans and real estate investors alike! Every buying or refinancing situation is different. Property types, loan amounts, down payments and credit scores all vary and these are just some of the factors that affect real estate financing.
Loan Options: I offer a wide variety of residential loan options:
Conventional loans up to $625,500*
FHA loans up to $729,750* with 3.5% down**
FHA 203K rehab loans to $729,750
VA loans, with Zero down
Jumbo Loans (up to $4MM at 80% LTV)
HomePath® with as little as 3% down owner occupied and 10% down non-owner; both with NO mortgage insurance or appraisal requirements!***
* Loan limits vary by county. Please note that each geographic area has its own specific high-cost area loan limits. Please consult proper sources for loan limit rates in your area.
** For example, a typical FHA 30-year fixed $300,000.00 loan amount with 3.5% down, zero points, will have 360 monthly payments of $1,587.62; 4.625% note rate; 4.724% APR. FHA Upfront Mortgage Insurance Premium of 1% is a part of the loan amount listed above. FHA Monthly Mortgage Insurance Premium of 1.15%, taxes and insurance not included in the monthly payment stated. Restrictions apply, ask for details.
*** HomePath is a registered trademark of Fannie Mae. For example, a HomePath® based on a 30-year Fixed-Rate Loan and a loan amount of $350,000 at a 3% down payment, will have monthly payments of $1,932.71 based on an interest rate of 5.25% and 5.339% APR and no Mortgage Insurance. Insurance and property taxes not included. Available on Fixed-Rate or Adjustable-Rate loans. All rates, fees, and programs are subject to change and/or withdrawals from the market without notice. *Credit restrictions apply. **Ask us about the loan cost details.
Personal History: I entered the mortage field in 2003. At the time, after 12 years in various management positions in the airline and telecommunications industries, and after taking my prior organization from a $7 million loss to a $25 million profit ($32 million improvement) in just nine months, legislative changes affecting the telecommunications industry led to my senior manager position being eliminated. After contemplating various corporate positions, I gave in to my entrepreneurial side and entered the world of Real Estate and Mortgage, an industry that had fascinated me since buying my first home in 1992.
By 2004, my first full year, I was a top producing mortgage agent for my company. A year later, in 2005, I co-founded Cipher Lending with two colleagues, and later founded First Integrity Mortgage. This industry, and specifically helping people buy and finance their homes has become my passion! I enjoy helping people make solid financial decisions and utilizing the skills that I've acquired through my personal and corporate experiences.
In my spare time, I enjoy spending time with friends and family and stay active through various sports and activities. I also enjoy performing in theater. When I'm on stage, my playful side comes out in full force!
My goal is to use my background and expertise to make your financing transaction the best it can be!
What My Clients Say
"Troy made the process extremely easy answered any questions I had and was always quick to return my calls/emails. I could not have asked for a better experience." - Jayme J. - Santa Clara, Ca
"Troy Village has been the best mortgage broker that I have had the pleasure of working with over my home purchases and refinances over the last 10 years. It was a breath of fresh air compared to working with traditional banks in terms of level of service and availability. Troy keeps up to date with the latest trends in the loan market. The fact that he is also a real estate agent means that he has a broader view of the housing market and can offer advice that goes beyond what a normal broker could. Troy's level of service is superb. He promptly returned all my calls and emails. He went out of his way to meet me at my office and also shielded me from stressful issues by taking care of them himself. I recommend Troy without reservation." - Troy C., Newark, Ca
"Thanks again for all your help throughout this process - you really did make it seamless and easy!" - Akbar & Lori, San Jose, Ca
"Purchasing a home is stressful enough. Working with you just made it all a very pleasant and professional experience." - Melissa & Peter, Solana Beach, Ca
"I am particulary impressed with your knowledge of your business and your ability to impart a level of service unlike any we have experienced in the past." - Anita, El Cerrito, Ca
" Thanks so much for all your help and support during our home buying process." - Jailan & Tarek, San Jose, Ca
"This is truly an exciting year and we thank you for all your help in making it happen that we can celebrate Christmas in our own house." - Jan & Katharina, Redwood City, Ca
"Thank you for your part in making our dreams come true. Thanks again for taking such good care of us." - Florence & Lewis, Windsor, Ca
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.