As Coast Mortgage, I am a Certified Mortgage Planning Specialist / Independent Loan Officer, under the “auspices” of Amerifund Lending Group / ALG Real Estate Services. I have been in the mortgage business for 15 years beginning with direct lenders Countrywide and Wells Fargo. Subsequent to receiving my Real Estate license, I began to work in the Mortgage Broker arena, which allows me the opportunity to provide a wide variety of loan options and programs for my clients. Eight years ago, I began my business relationship with AmeriFund Lending Group, a large wholesale lending organization, with over 80 Independent Loan Officers throughout Southern California & Hawaii. As a Certified Mortgage Planning Specialist, (CMPS Institute.org), I assist buyers & homeowners to improve their lives through mortgage planning.
I have received instruction & have been tested & certified in the following categories:
• Compliance & Ethics
• Mortgage Strategies & Tax Implications
• Cash Flow Planning & Debt Reduction for Home Buyers & Home Owners
• Mortgage Planning For: Retirement, College Funding, Elder Care & other life events
• Around the Capital Gains, Gift & Estate taxes, Cash Flow Planning for Real Estate investors, providing real time options & tools to evaluate the impact of various mortgage strategies on Rate of Return
As a Certified Mortgage Planning Specialist / Independent Loan Officer, I have the unique ability to compare wholesale interest rates with “recognizable” wholesale lenders, such as Franklin American, New Penn Financial, Pinnacle, Quicken Loans, Stearns Financial, United Wholesale Mortgage, Union Bank, US Bank and a host of others. This enables me to secure the best loan program & interest rate for each unique purchase or refinance transaction. As I understand most clients are working during the day, I am available to meet with clients evenings & weekends, in the comfort of their home, office, or a location most convenient for the client.
I would be honored to have the opportunity to meet with you personally to further review your current situation and determine how I can best be of service to you. I look forward to the opportunity to earn your business and please remember: “I TREAT EVERY LOAN AS IF IT WERE MY OWN”