FAQ
Q: What are your rates today?
A: Rates are subject to change on a daily basis and rates need to be determined on a case-by-case basis. I have the best rates and programs available in the industry and I would need to gather some information from you and to know your short and long term goals in order to quote the best possible rate and program for your wishes and circumstances.
Q. I’m going to be looking at land to purchase in Colorado. What programs can you offer me?
A. With as little 10 percent down, I can offer you a 15-year fixed rate for under 7% – no prepayment penalty and no balloon payment. On parcels that qualify, I can also offer 20 percent down on a fixed rate land loan for up to 25-years for an excellent rate with FICO score of as low as 620. And, when you are ready to build, some of these loans can be converted to construction and permanent financing.
Q. Does your land lender permit seller carry on a portion of the down?
A. Yes!.
Q. Can you give me a pre-qualification letter that I can take to my real estate agent so that he/she can submit it with my offer?
A. Absolutely. It takes just a few minutes for me to gather information about you and to pull your credit report. When I have finished gathering the information and determined that your credit is sufficient and that you have assets toward the purchase (down payment) I can issue you a pre-qualification letter and email it directly to your agent.
Q. What other types of loans do you offer?
A. I offer land, VA, FHA, Rural Development, Conventional and Speciality programs including and not limited to:
*97% LTV purchase loans with no MI (Mortgage Insurance)
*Stated and No Income Verification for owner AND non-owner occupied properties.
*97 percent full documented purchase loans with 680 FICO credit score
*Single and Double-Wide Mobile Homes to 95%
*Standalone seconds, no cost to borrower equity and HELOC (Home Equity Lines of Credit) loans.
*Agricultural properties including stock and equipment
Q. Are you limited to the number of acres you can finance?
A. No
Q. Can you finance modular, berm, geodome, solar, straw bale and other types of "off the grid" homes; full time farm operations including equipment and operating loans, Farm Service Agency guarantee loan products?
A. Yes.
Q. Do you have other questions?
A. contact me via email and I will address your questions. And if you are ready to move forward to secure an excellent loan for your purchase or refinance, email me with your contact information and we will begin the process immediately.
Meet Carol
I have more than 35 years in private business and mortgage lending. As Vice President of Sales for a large national firm, as well as owner and manager of a mortgage brokerage, I bring invaluable sales and lending skills to the table. I believe the true professional must know her product and possess integrity and excellent sales skills in order to succesfully compete and market products in today’s highly volatile lending atmosphere. I have been in the mortrgage lending business for many years and hold my clients in high esteem.
I am truly passionate about my profession and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in the area. My Mission is to guide you through the entire loan process so that you feel confident as you make choices about the options available for your financing strategy. With many years in sales and marketing, a wide range of experience in the mortgage industry and the myriad of loan programs available to suit your particular situation I stand ready to assist you each step of the way. I understand that it’s not just a a piece of land or a house – it’s your prized possession!
Your land and your home are two of the largest financial commitments that you will make in your life and many people view that as meaning just another monthly payment. I can help you realize that your home is truly a valuable financial tool and I will present options that can help you achieve the dreams and plans you envision for your future.
You think about land and home financing only a few times in your life ~ I think about it every day and search the market for new programs and options. It’s your home and your future and it is my profession and passion. I’m ready to work for your best interest!