North American Mortgage

I help families, landlords, & investors Qualify, Plan & Obtain Mortgage financing for their 1-4 unit residential real estate mortgage investment properties. I also teach homeowners how to financially maintain their real estate wellness, & plan for any real estate transitions in their future. Let's talk about Credit. I can show you how to get your Fico Score mortgage ready. I enjoy giving back to my clients by helping with income/rental properties, hardships with home ownership and helping with reverse mortgage tax free income, loan modifications, government/lender opportunity programs, & Forbearance/Foreclosure work out options. Available Loan Types at Wholesale Mortgage Interest Rates: -FHA (Federal Housing Administration-They do not make loans but only guarantees them in case of borrower default) -Conventional (Fannie Mae & Freddie Mac) -VA (U.S. Department of Veterans Affairs-They do not make loans but only guarantees each loan in case of borrower default) -Jumbo (Loan Amount Depends on County Limits) -HomeReady & HomePossible -Reverse (Equity & 62 years old) LESA-Life Expectancy Set Aside Calculation, Required Buyer Counseling -USDA (United States Department of Agriculture-They do not make loans but only guarantee each loan) -CalHFA- Income Limits & Purchase Price Limits apply, Required Buyer Counseling -When Active CalSTRS/CalPERS -Rehab Loan Knowledge -Private & Hard Money Loan Knowledge -HELOC, Credit Line Loan Knowledge

Finding a trustworthy, ethical, & well educated Mortgage Loan Originator is crucial to your long term property goals success. Understanding a mortgage loan is more than meets the eye. There are many important things to think about such as short and long term goals, real estate market timing, taxes & insurance, and potential appreciation. Working with an experienced Mortgage broker early on in your real estate planning can make a world of difference with your interest rate and loan costs in the future. Do Not just go to who your Realtor's pick...this lender may be quick and efficient, but are they looking out for your best interest or do they want to satisfy the Realtor for repeat business? Think about who is looking out for you and your growing home investments. Never sell a property without consulting a Mortgage Loan Originator as well...you can discover how you can leverage and provide income for many years to come before you cash out on any investment.

I am a multi-credentialled Agent of Mortgage Finance so I can see the full rounded picture of the housing market. Many economic factors play a role in the housing markets ups and downs & Buyer's Vs. Seller's market. With a strong background in Marketing & Finance I give my clients a well-rounded view of the mortgage market and options for their best strategies and approach to their real estate endeavors. When family hardships put your Mortgage payment at risk of default I can navigate you through work out options from Forbearance, to Loan Modification, & Short sale to avoid Foreclosure!