I created the Home Loan Artist blog (Inland Empire Mortgage, Rates & Real Estate) because consumers need a different approach to researching mortgage & real estate information. This blog will demonstrate my industry knowledge and comittment to staying on top of the market and numerous guideline changes that affect you…..because no one needs a surpises while in escrow. You need a Loan Officer who will go above and beyond, fight for your approval, secure the best interest rate possible, and advise you properly. Your dreams become mine, so I approach each transaction as if it were my own……..personally.
The Purpose for this blog is to:
1. To Simplify the Complex. Admit it, home loans can be both boring and confusing. With guidelines changing almost weekly, and every bank or investor applying their own guidelines or ’overlays’ that make qualifying more restrictive, it’s impossible for one person not involved in the mortgage industry to stay up to date. Shoot, most Loan Officers don’t even know their own banks guidelines! My goal is to simlify, organize, and translate the industry gibberish into a format that is easy to understand…….hence the term Home Loan Artist.
- “The great artist is the simplifier” – Henry-Frederic Amiel
- “To complicate is easy, to simplify is difficult” – Alyson Long
2. More Transparency. The established lending world still acts like the the man (Wizard) behind the curtain hoarding information, in order to control the Land of OZ. I publish this blog in order to share information you need, on your terms, and your time frame. Since this is the age of transparency, I feel the traditional mortgage bank, broker or loan officer is not transparent enough about rates, fees, qualifying criteria, the approval, loan status, or the funding process. I’m changing that.
3. Empower & Educate. To provide real, up to date, and accurate information about mortgages guidelines, industry news, interest rates, and real estate for homebuyers and homeowners who value honesty.
4. Help Home buyers and Home owners Make Informed Decisions About a Home Purchase or Refinance. How can you make an informed decison without knowing your options? I utilize camparative analysis to help home buyers and home owners make the right decison when it comes to their home loan. This helps reduce the emotions that often cloud our rational judgement. We’ll compare the advanatages/disadvantages of using an FHA, VA, USDA, or Conventional loan program and compare loans with and without points to determine which option is most beneficial for your specific situation. One of my favorite comparisons is looking at how your down payment options (No Down, .5%, 3.5%, 5%, 10%, or 20% down) will impact your rate, closing costs, equity positon, and long term financial positon.
5. Learn Who You’re Working With. In this current housing market, getting your loan approved and funded can have more to do with the character, knowledge, and skills of the Loan Officer then anything else. This is why I protect my reputation and actually deliver on my promises. The days of having your best friends long lost cousin brother originate your loan (while working another full time job) are done with. This blog will help you learn more about who I am, what I do, how I do it, and what you can expect.
WARNING!!! This is a No BS Zone and a No Sales Zone. I tell it like it is. If there’s one thing you can count on, it’s knowing that I will not be a yes man to try and convince you to work with me.
And possibly most important, this blog is for people who want to work with a Loan Officer who actually picks up the phone and/or answers emails!
