What Good Mortgage Lenders Should Do
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- เผยแพร่เมื่อ 15 มิ.ย. 2024
- ⭐Have mortgage questions? Pick a time that works best for you here
calendly.com/jennifer-beeston
⭐Ready to get preapproved?
www.zerostressmortgage.com
Text me after you fill out with your name 707-478-0637 so I can alert team
⭐ Call Me: My cell phone is 707-478-0637 I am happy to help. Let’s get you home!:)
⭐My Google Reviews: tinyurl.com/jenniferbeestonre...
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Timestamps:
0:00 Who's this for?
0:12 My Experience
0:28 What Lenders Should Do
0:58 Our Job, and Expectations
1:20 What I Do
1:55 1. Structuring Your Loan Guidelines
3:15 2. Lock Your Mortgage Rate
4:34 3. Loan MUST Close on Time
6:13 4. Buyer Confidentiality
8:17 5. Protect Your Loan
10:13 They Should Be Experienced..
11:10 I Structure Your Loan
12:00 Submitting the Best Files
12:20 All the Things I Do
12:45 Why I Am Different
13:30 How I Built my Business
13:55 Who To Look For
14:38 Tips for New Lenders
15:10 Reach Out at 707-478-0637 or on the Calendar
Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
For licensing, go to www.nmlsconsumeraccess.org
Top 1% in the nation 2016-2022 www.zerostressmortgage.com
NMLS 247743 Guaranteed Rate NMLS 2611
To access Guaranteed Rate:
www.guaranteedrate.com/discla...
www.guaranteedrate.com/licens...
My State License Numbers:
AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY - 8203
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
#mortgagelender #firsttimehomebuyer #firsttimehomebuyertips #jenniferbeeston #mortgage
Take my word for it,, Jen and her team are the real McCoy, They can make miracles happen, 👍
PLEASE make this a series! Phenomenal information. I'm coming to the end of my 8 week NMLS course before sitting for the exam. I love all your videos. I feel like I'm packing myself up with great knowledge.
Such an important message! It is not worth saving that little bit on rate if you have a loan officer who doesn't know what they are doing.
Strong points!
Very good points that is needed to know who to get a loan with.
Happy to help!:)
Is "the underwriter" just the bank that is loaning the money? If so, it sounds like a vague term for "definitely not a mafia front" lol
the underwriter is making sure the loan meets the guidelines for the lender who can be a bank, mortgage company or credit union
i am currently needing to finance a mortgage after my divorce. Ex tanked our scores-so i am trying to get that up (was 468,now 573)...i am self employed, make $70K-no w2, i pay taxes...i retained the home and waiting to get fair market value to finance...may have to do FHA to start....your thoughts...i am not on the Loan, only on the title...MT
We would need to look at tax returns in the entire situation to give you a realistic idea of which way to go. Also depends on when you have to refinance based on the divorce. If it’s not a rush, I would wait to get your scores up.
at which point are you tied to 1 lender if youre still shopping rates?
Realistically you want to figure out who your lender is before you are in contract but for instance I have a lot of people call me a few weeks before closing and they are getting hosed by their lender so we step in and take over their loan. A lender never has a claim on you
I currently have a 40% rating from the VA but cannot find a lender that is willing to work with me due to my type of work. I have worked as a traveling medical professional for a little over 3 years now (overall 17 years in the field, only 3 traveling) so I take 3 month or 6 month assignments wherever I'd like to travel to in the U.S., my pay is usually broken down into an hourly rate that is taxed as well as tax free stipends. I've had lenders deny me in the past due to my type of work. Is this something you have come across in the past, and if so are you able to possibly help?
I’m happy to take a look at. We work with a lot of traveling nurses, however, in all honesty, generally their consistently working. So I would definitely want to see how you have mapped this out as multiple large job gaps can be problematic because there’s a lack of income continuity. Give me a call and let’s walk through it. Make sure if you get my voicemail you say Jennifer Beeston only because likely I would take your scenario to an underwriter based on what you’ve already told me. 707-478-0637
@@JenniferBeeston Perhaps I worded it wrong, I do work consistently. I was just explaining I take 3 month assignments or a 6 month assignment, and once that assignment is over I roll right into another assignment. I have no employment gaps other than a week or two between assignments to go home and switch out clothes and gear, or traveling from old assignment to new assignment. I'll call sometime this week when I have some free time. Thank you for your response!
look forward to chatting. You can grab a time here too if it works better for you calendly.com/jennifer-beeston/preapproval-q-a
@@JenniferBeeston thank you 🙏 I will reach out towards the end of the month, I'm on last week of an assignment in Fairbanks, AK and will be driving back down to lower 48 so next few weeks will be quite chaotic for me.
I am a first time homebuyer. I reached out to a lender who got good reviews. I filled out the application and I sent all required paperwork. It’s been three weeks and they still have not pulled my credit or given me any idea about a preapproval.even after three phone conversations. What is the purpose of this delay?
no clue as I am not the lender. Was it the individual you read reviews on or the company? You should email or call them and ask what the deal is
@@JenniferBeeston it was the individual.
Super odd I would just call them and ask what the status is and if they’re still ghosting, you just switch lenders. It seems bizarre generally a good Lender is going to have some level of communication. I would check your email and junk mail though as well because they could’ve been trying to get a hold of you also check voicemail.
You're 16.
lol Russ, you flatter me. TY:)
@@JenniferBeeston Well, you were born to do this. 😇