My company Allnet Group, Inc. has a wholesale relationships with the largest mortgage loan originator in this country; This provides my clients with access to volume discounts and more. Allnet Group has the ability to provide borrowers approval within 48 hours of application submission and close loans in less than 21 days. If you are a first-time home buyer, an Armed Forces Veteran, self-employed entrepreneur or just an experienced shopper, you can rest assured you will receive the best interest rate pricing available. My desire to serve offers free knowledge for many financial needs that coincide with your lending goals. Call me today!

I can offer creative payment plans, lowest mortgage insurance cost in the industry (MI), and loan programs that can assist the borrowers with qualifying income. In addition, I can help direct borrowers to Local, Federal & Government Agency grants. My understanding of tax planning finance coincides nicely with your CPA/Accountant/Tax Preparer. If you want access to unprecedented knowledge, services, and experience that most loan officers and direct lenders cannot provide, please reach out! We can start a chat, schedule a call, face to face meeting, or zoom-- your choice, with NO OBLIGATION. A promise from me: “you will deal with me from start to finish, concluding with what was promised at inception”. My application process is quick, easy, and stressless, giving you the confidence to start your financing expectations.

Many Borrowers who are either inexperienced first-time home buyers or experienced seeking a competitive rate, rarely understand the movement of mortgage rates and the conditions that change rates so quickly. Part of my introductory presentation is providing that education, so borrower can interpret and realize in advance a rate change. Many borrowers are quoted rates, only to make inquiries just a day or two or even hours later, and find out rates have changed. The normal reaction toward the loan officer is, you’re not playing honestly. When I start a relation with a client, forwarding a Loan Estimate of closing fees, that include a dated rate & term, I accompany the LE with the index of the 10-Year Treasury Note via CNBC for that same day & time (see below). The 10-Year treasury Index is an indicator that mimics the direction of mortgage rates and other financial products. This index moves like the Dow Jones Industrial Average that monitors the direction of the stock market. The 10-Year treasury Index provides borrowers with a sense of direction of rates until they find a home, close on their home, or lock the rate for a specific period in advance. Essentially, avoids a miss misunderstanding with lenders and borrowers when quoting rates, yet few lenders provide this simple piece of information. The home purchase process is detailed, including shopping for the home, lending criteria & process (underwriting purchase, closing, moving and settling into a home, that most add additional improvements, the last piece of comfort on an unexpected rate increase can be devastating. I cannot predict the direction of rates, but I can provide you with 35+ years of mortgage rate history and direction. Basically, providing another layer of comfort, avoiding surprises!