David Nishan, CMPS
My primary focus as a certified mortgage planning specialist is to help my client’s structure financing options that meet their purchase or refinancing needs. The mortgage industry has undergone major changes in both available products and guidelines for processing and underwriting home loans. My industry experience and product expertise is used to help my clients structure a loan that allows them to meet their financial goals and close on time. Explaining the process and determining what documents will be required to submit a loan for approval are always discussed in our initial consultations. Once we have reviewed the required documents and decided on a mortgage strategy, I will provide accurate estimates for monthly payments and closing costs. I also monitor the bond market to help clients make an educated decision on when to lock their interest rate.

Iris Recinos - Loan Manager
I focus my time on assisting clients through the mortgage loan process. After meeting with David and Kristin and deciding on a mortgage strategy, I am actively involved in keeping all parties to the transaction updated on a weekly basis. David and Kristin review each file with me in great detail so I am able to submit the file to our "in house" processor for underwriting. I also will order the initial title request and appraisal. If David or Kristin is in a consultation, I am qualified to assist with applications and can usually answer most questions regarding the file. As the closing date approaches, I make sure all clients have a Settlement Statement to review and confirm closing locations, dates and times. After closing I am also available to assist clients with any questions they may have regarding initial payment coupons, escrow accounts, etc.

Debbie McClearen – Loan Processor
I focus my time on making sure our underwriter has all the required documents needed to support the loan application. This includes, pay stubs, W-2’s, bank statements etc. I also take care of coordinating the third party venders who are needed to clear a loan to close on time. This includes confirming property insurance, builder certifications and so forth. I will often have direct communication with the client in an effort to make sure all documents are received and that all disclosures are signed and dated appropriately. Once the loan file has been underwritten I work with the closing department to make sure the settlement agent receives the loan package in a timely manner. When the attorney sends the Settlement Statement it is reviewed by Iris for accuracy before I send to all parties for funding.