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 meet their financial goals and close on time. Explaining the process and deterring 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.
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 meet their financial goals and close on time. Explaining the process and deterring 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.
Kristin Reagan - Loan Manager
When you talk to Kristin, you will quickly see why she is a valuable asset to our mortgage team. In addition to Kristin being a loan originator, she also focuses on assisting clients through the mortgage process. After meeting with David or Kristin and deciding on a mortgage strategy, Kristin will stay actively involved in keeping everyone informed of the loan progress throughout the transaction. She also keeps a close eye on the market and will be able to help you make an educated decision with regard to locking in an interest rate. If David is not accessible, she is also available and qualified to review your current situation to assist in selecting the best mortgage strategy. After closing, Kristin is available to assist clients with questions regarding initial payment coupons, escrow accounts, etc.
When you talk to Kristin, you will quickly see why she is a valuable asset to our mortgage team. In addition to Kristin being a loan originator, she also focuses on assisting clients through the mortgage process. After meeting with David or Kristin and deciding on a mortgage strategy, Kristin will stay actively involved in keeping everyone informed of the loan progress throughout the transaction. She also keeps a close eye on the market and will be able to help you make an educated decision with regard to locking in an interest rate. If David is not accessible, she is also available and qualified to review your current situation to assist in selecting the best mortgage strategy. After closing, Kristin is available to assist clients with questions 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 Kristin for accuracy before I send to all parties for funding.
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 Kristin for accuracy before I send to all parties for funding.
