Tampa Mortgage | Lender Taken 'Em To The Gun Show

By
Mortgage and Lending with Your Tampa Bay Mortgage Source

Troubled credit history, lack of income, no down payment...all reasons this Tampa lender has to flex my muscles.  Oh yes, as this title states, I am dusting off my gloves and taken' em to the gun show!Gun Show

In today's market, as a loan officer, I have to fight even harder for my customers.  Recently, I had a home buyer referred to me who had a couple issues....mainly lack of sufficient overtime income to qualify for the home he wanted.  So what did I do...I fought.  I made a case for my buyer of why we should be able to include the overtime income he received, although he didn't have a two year history of receiving it.  I showed by underwriter his previous history, the strengths in the file and most important, why this loan made sense.

Today, consumers looking for a mortgage need a lender working for them who is willing to put in the time and effort to make things happen for their customers.  With my borrower, I put in about 5 extra hours on his file just getting through the income.  And guess what...I got the loan approval. 

Although I have not yet been caught for carrying these weapons...I break them out when I have to!

If you know someone who needs a mortgage lender who means business...I am in the ring and in your corner.  Put me to work and let me flex my muscles!

For a complimentary consultation on what I can do for your situation, please contact me, Leah Ross, Your Tampa Mortgage Professional.

Proudly flexing my "lending muscle" for South Tampa, North Tampa, Westchase, Brandon, Clearwater, St. Petersburg and the remaining Tampa Bay area.

View more mortgage posts on my Tampa Bay Mortgage Blog.

 

 

Comments (22)

Chris Griffith
Downing-Frye Realty, Bonita Springs, FL - Bonita Springs, FL
Bonita Springs Listing Agent

You got a license for those consealed weapons?

Looks like today is Will Farrell Day!  

 

Sep 07, 2007 06:00 AM
Leah Ross
Your Tampa Bay Mortgage Source - Tampa, FL
Tampa, Florida Mortgage

Chris ~  I just got a ticket yesterday for hauling these baby's around without a permit...!  You gave me the Will Farrell inspiration...LOL...I can't stop thinking about how much we need More Cowbell!

Sep 07, 2007 07:36 AM
Leah Ross
Your Tampa Bay Mortgage Source - Tampa, FL
Tampa, Florida Mortgage

Chris ~  I just got a ticket yesterday for hauling these baby's around without a permit...!  You gave me the Will Farrell inspiration...LOL...I can't stop thinking about how much we need More Cowbell!

Sep 07, 2007 07:37 AM
Chris Tesch
RE/MAX Bryan-College Station - College Station, TX
College Station, Texas Real Estate
That's what makes you great Leah!  If I was in your area I would definately send clients to you!  Fortunately I've got a local lender that is in the ring with my clients!  I just can't get her to blog!
Sep 07, 2007 11:34 AM
Michael Delp
Mortgage Pro - Telford, PA
You go girl. The fight is most of the fun. Making it work is the most rewarding. :-)
Sep 07, 2007 01:02 PM
Jeff Belonger
Social Media - Infinity Home Mortgage Company, Inc - Cherry Hill, NJ
The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans

Leah.....   so true.... knowing your limits, what you can fight for, and bringing those guns out. The common sense guns. Matt just wrote about common sense, but that was about the rates. When it comes to ratios and credit, we need to make the file stronger and use our knowledge and expertise....  good post.

jeff belonger

Sep 07, 2007 01:03 PM
Mana Tulberg
805 County Real Estate - Camarillo, CA
Real Estate Agent - Camarillo CA
Leah, You are the one. I wish you worked in my area.
Sep 07, 2007 01:58 PM
Rita Taylor
None - Sanford, NC
Sanford NC Real Estate - Homes for Sale in Sanford North Carolina

Leah,

You had me going for a minute- I was trying to picture you with a booth at the gun show.  Great way to go to bat for your clients. 

Sep 07, 2007 02:47 PM
Lynda Eisenmann
Preferred Home Brokers - Brea, CA
Broker-Owner,CRS,GRI,SRES, Brea,CA, Orange Co

Hey Leah,

Sounds like you mean business, good for you. No doubt many consumers need a loan office like you to lock and load. Well done.

Sep 07, 2007 02:47 PM
Joanne Hanson
Coldwell Banker Colorado Rockies Real Estate - Frisco, CO
Summit County, Colorado Realtor
No wonder all the Florida Realtors rave about you Leah.  I wish you were in Colorado too! 
Sep 07, 2007 04:13 PM
Paula Henry
Home to Indy Team @ HomeSmart Realty Group - Avon, IN
Realtor - Indianapolis Real Estate - 317-605-4174
Leah - And the good guys win again! Way to go!
Sep 07, 2007 05:04 PM
Thesa Chambers
Fred Real Estate Group - Bend, OR
Principal Broker - Licensed in Oregon
Leah - I actually did have to use a weapon once for my client.... I have a concealed weapons permit - and carry a hand gun with me at times.... we were walking a 50 acre parcel (takes most of the day and a fully charged battery) when we were stalked by a cougar - we were at least 30 acres from the car when the cougar presented itself - no I did not shoot it.... but I did scare it off - my clients still laugh about it and no they did not buy that parcel - in fact they ended up deciding that acreage was not for them
Sep 07, 2007 08:23 PM
Stephanie Edwards-Musa
thredUP.com - The Woodlands, TX
knitwit at thred UP
Hi Leah,  LOL at the gun show.  You are truly the Tampa Mortgage Expert!
Sep 08, 2007 01:39 PM
Jim Hogan
The Loan Source - Sandy Springs, GA
Atlanta Loan Source
Leah,  Yes, You have built some very "BIG GUNS" in you years in the mortgage business.  Your hard work, concern for your customers, a great company behind you and a winning personality, what more could a customer want or need.  To you continued success. 
Sep 09, 2007 08:54 AM
Leah Ross
Your Tampa Bay Mortgage Source - Tampa, FL
Tampa, Florida Mortgage

Chris T ~ Thank goodness you have a fighter...she may not be a blogger, but atleast she is a fighter!

Michael ~ That is so true!  When I can put in extra time and effort and really pull a transaction together, it is such a thrill!

Jeff ~ Thanks for the comment!  Fortunately, I am always leaning on the conservative side, because that is how my underwriters naturally think.  I will push things though when I know I am right!

Sep 10, 2007 12:29 PM
Leah Ross
Your Tampa Bay Mortgage Source - Tampa, FL
Tampa, Florida Mortgage

Mana ~ Please don't entice me to come to California!  This Tampa start-up already put some gray hairs on my little blond head!

Rita ~ All I have to say, is that I'll do it if I have to...watch out! :)

Lynda ~ Ready to roll....thanks for the comment!

Sep 10, 2007 12:32 PM
Leah Ross
Your Tampa Bay Mortgage Source - Tampa, FL
Tampa, Florida Mortgage

Joanne ~ What a nice thing to say :)  Thank you for the comment!!

Paula ~ You are right...good guys always come out on top!

Thesa ~ (Note to self, don't mess with Thesa)...Way to show that cougar!  Too bad they didn't buy it after all that ammo :)

Sep 10, 2007 12:40 PM
Leah Ross
Your Tampa Bay Mortgage Source - Tampa, FL
Tampa, Florida Mortgage

Stephanie ~ Thanks for the comment!

Jim ~ Well, I have to say that some great education didn't hurt me either!  Thanks for giving me the bullets to take 'em down!

Sep 10, 2007 12:42 PM
"The Lovely Wife" (Broker Bryantnulls Wife) The One And Only TLW.
President-Tutas Towne Realty, Inc. - Kissimmee, FL

Leah...

Did someone say Guns?

Count me in :)

You and I need to get together and take out a few hogs :)

TLW...ROAR!

Sep 13, 2007 12:04 PM
Susie Roscoe
Signature Realty Associates - Brandon, FL
Real Estate Specialist | Brandon, FL
 Thank goodness you have a license for YOUR GUNS Leah!!  Way to go...I bet your clients are LOVING YOU more now than ever!!!  Congrats on another FINE JOB in the Tampa Bay Market!
Sep 17, 2007 09:32 AM