I am a licensed California Real Estate Broker (CA BRE # 01870975) and a loan officer (NMLS # 892235) at Summit Mortgage Bankers, Inc. (SMB - CA BRE # 01522423 & NMLS # 36653), a direct lender, licensed to do business in New York, New Jersey and California.
SMB is committed to providing mortgages that suit customers' individual needs and special situations. SMB's loan products include conforming and jumbo loans, fixed rate and adjustable rate mortgages, as well as foreigner loans. For those who are self-employed in a business for at least 2 years, SMB has stated-income loan programs specially catered for them. SMB also offers commercial real estate and business loans, as well as construction loans and SBA loans.
As a direct lender, SMB has access to wholesale pricing which, in turn, allows it to offer competitive rates to its customers. Moreover, SMB's underwriters are located in-house, which means all issues and questions could be resolved and answered quickly, thus, facilitating speedy loans approval time and increasing loans approval rate.
I am committed to providing the most suitable home loans with very competitive rates, and at the lowest costs to my customers. SMB gives me such an edge because of the company's direct-lender wholesaling leverage, underwriting and loan-processing efficiency, as well as the abundance of support it provides to its loan officers.
Additionally, I have had about 14 years of experience working in the immigration law area as a legal assistant/paralegal.