I can calculate income various types of borrowers wage earners, self-employed individuals and those with rental incomeI also have the skills examining bank statements, checking ending balance and large deposits.any other critical details to verify assets
I can review Credit report checking for the FICO score, Liabilities, to check their current financial obligations. I also check for any bankruptcy filings as these can have a significant impact on their credit profile and overall financial stability.
I am familiar with the guidelines Fannie Mae and Freddie Mac
I can also analyze and calculate LTV and DTI to ensure they meet guidelines. This allows me to determine which specific loan programs we can offer to borrowers based on their financial profile.
I've gained practical experience in conducting pre qualifications where I evaluate borrower's situation to determine their potential eligibility for a loan. This hands-on experience has honed my ability to perform accurate assessments.
My commitment to excellent customer service means that I am dedicated to making your experience smooth and transparent.
With 5 years in the industry, I have had the privilege of assisting numerous clients in achieving their homeownership goals. My expertise lies in providing personalized guidance throughout the home financing journey, whether you're a first-time buyer, looking to refinance, or exploring investment opportunities.
