Sr. Loan Officer

• Aug 2022 - Present

Senior Loan Officer

• Mar 2019 - Oct 2021

Commerce Home Mortgage offers a vast array of loan programs to fit a variety of client needs! Here are a few of the most popular loans today: Prime Jumbo: 90% LTV to $1.5mm – No MI 85% LTV to $2.0mm – No MI 80% LTV to $2.5mm Non Warrantable Condos, misc. property types 6 Months Reserves for all loans 5, 7, 10 ARMs, all with I/O Option Alternative Doc Program: Asset Depletion 1 Year Tax Returns 3 Month Bank Statement Loans 12 Month Bank Statement Loans 1 Year W2 5, 7, 10 ARMs with I/O Option Up to 50% DTI Allowed FICO Down to 600 Alternative A program: 1 Day Out of: BK, Foreclosure, Short Sale Up to 55% DTI Allowed FICO Down to 500 Conforming loans AND High-Balance loan amounts to $726,525. Our Jumbo loan program permits loan amounts up to 5 million. GSFA Grant Program - Can be combined with Conventional, FHA, VA and USDA loan programs; contributes up to 5% of a client's loan amount toward a purchase or refinance transaction. This program can open the door to home ownership to a multitude of clients that require down payment assistance. FHA for Conforming and High-Balance loan amounts. VA - 100% financing is available for our Veterans! Expanded Criteria Program - Designed for borrowers with less-than-perfect credit in their purchase a home. This exciting program provides a path of home ownership to those who are well qualified from an income and down payment standpoint, yet are not currently eligible for financing due to a short sale, foreclosure, deed-in-lieu, or even bankruptcy in their resent history. Commerce Home Mortgage provides a seamless loan process that is reliable, efficient, and convenient for each client. We employ automated technology during every step to keep the process simple, secure, and clear. With nationwide lending, I am never more than a phone call away; ready to provide each client with exceptional service! Typical turn time from start to finish is less than 20 days. I welcome the opportunity to work with you!!

Sr. Loan Officer

• Aug 2017 - Mar 2019

Experience the difference in partnering with an accomplished lending industry veteran! Each client and business partner receives individualized and exceptional service. • Extensive Network of Real Estate and Mortgage Lending Professionals • In-House Processing, Underwriting and Funding • Closing purchase transactions in 21 days • Beneficial Down Payment Assistance programs, not limited to first-time buyers only Wide Variety of Loan Programs for Refinance or Purchase • 5% GSFA Grant Down Payment Assistance Specialist • FHA and FHA High Balance • VA loans up to 100% financing with competitive rates • Conventional and High Balance Conventional programs • HARP (Home Affordable Refinance Program) • Jumbo up to $4 million • Jumbo Fixed, Adjustable, and Interest Only products available • 80/15/5 loan programs to eliminate the need for monthly PMI Portfolio Programs • 1 year Tax Return program • 1 day after foreclosure, Short Sale, Bankruptcy, and Deed in Lieu • Asset Dissipation Program • Foreign National Mortgage Program • 90% LTV Jumbo loans up to $2.5 million No MI I welcome your calls anytime. I am readily available to provide additional information on the above listed loan programs, along with other brokered loan program options to suit a variety of client circumstances and needs. NMLS License #295788

Sr. Loan Officer

• Sep 2015 - Jul 2017

Senior Loan Officer

• Sep 2014 - Sep 2015

Senior Mortgage Consultant

• Aug 2013 - Jul 2014

Senior Loan Officer

• Oct 2012 - Aug 2013

Strategic consulting to fulfill individual real estate financing needs. Portfolio lender with in-house funding and fast turn times. Prime lender with commerical funding options and private funding sources for jumbo financing over $1m. Strategic consulting to fulfill individual real estate financing needs. Portfolio lender with in-house funding and fast turn times. Prime lender with commerical funding options and private funding sources for jumbo financing over $1m.

Senior Loan Consultant

• Mar 2012 - Oct 2012

Direct lender with 20+ years in business...consistently ranked in top 100 direct lenders nationwide. Extremely competitive rates and programs! Check us out...proud of our long-term reputation and rating!!: http://www.newpennfinancial.com/ Direct lender with 20+ years in business...consistently ranked in top 100 direct lenders nationwide. Extremely competitive rates and programs! Check us out...proud of our long-term reputation and rating!!: http://www.newpennfinancial.com/

Senior Loan Officer

• Jan 2011 - Mar 2012

Senior Loan Officer

• 2009 - 2011

Loan Officer/Office Manager

• Jun 2000 - Feb 2003

Chief Underwriter

• 1993 - 1998