Expertise I can answer questions regarding approval and qualification requirements for FHA, VA, USDA and conventional,(FNMA/FHLMC) residential mortgage loans. I also can answer questions regarding credit scores and rebuilding credit. I cannot answer questions regarding Fed., State or local taxes or tax implications of mortgage financing. I also cannot answer those questions which require special licensing for financial investment in depository accounts, stock accounts or insurance products. Similarly, I cannot answer any real estate questions which require a specific license.
Experience I am a Mortgage Banker. I have been a Residential Loan Officer since 1995. I have successfully assisted more than 1000 people finance home purchases. I specialize in assisting people to buy their first homes. I also enjoy working with those who have experienced some kind of catastrophic event, like loss of job, bankruptcy, foreclosure, death of spouse, catastrophic health issues or divorce and who want to work to strategically position themselves for mortgage loan approval.
Organizations I am currently a member of the Ohio Mortgage Bankers Association. I have periodically volunteered for community groups/events including those involving issues of affordable housing, battered womens outreach, rape crisis intervention and have worked on various boards for nonprofit womens organizations. I also have developed a network of professional contacts within key organizations for referring people who come to me with issues regarding foreclosure, loan modification, bankruptcy resources, credit repair, support for elderly/house bound, estate, tax and divorce advocacy.
Education/Credentials B.A., The Ohio State University
Q: We are trying to refinance our 14+ acre hobby farm. I'm medical/retired (39 years auto sales) wife ... A: I don't normally get the opportunity to speak with people who discover me on this site. It was a ...
Q: Myhusband and i bought our condo in 2007. we have a 5yr adjustable at 5.85%. we pay both priciple ... A: I understand your frustration. This is a common malaise in this restricted environment for mortgage ...
Q: What is the advantage of a USDA loan over an FHA loan? Are there any downsides? Thanks. A: I am a big fan of both USDA/Guaranteed Rural Housing and FHA programs. I use them both as much as ...
Q: I bought and built a home on 2 acres of land.My wife and I have a USDA loan on my new ... A: There are several areas of interest with regards to structuring the purchase of the new property. 1. ...
Q: My wife and I are buying a house contract for deed or a land contract. There is a balloon payment ... A: What it reads like you are proposing is the refinance of a land contract--which is done all the ...
