The Mortgage Loan Process

Author of a new book coming out…                                                                          6/2015

I thought I would share with you something new I’m planning to do to help the mortgage industry as a whole and especially my clients. I’ve done some research and there are not a lot of books on the mortgage process itself. There’s a lot on real estate itself, and there are some on credit, however there isn’t a simple book that goes through the start to finish process of the mortgage loan. There been a lot of changes and there will continue to be a lot of changes in the industry as time goes on. My goal in writing this is to sort out the team players so you know who is who such as Realtors, appraisers, title companies, escrow companies etc. I also plan to give a description on each one of them so that you understand where they sit in the timeline while doing your loan. Some of you in recent years have given me some wonderful ideas and it’s about time I put it on a book. Part of it too, is so that I’m not repeating myself over and over with the same things that everyone asks. I’ve done some outlining of this procedure with a rough draft of a couple parts of it with some of my clients recently and it’s really helped. I’m looking forward to helping you and working with you so the first post will be a blurb on the credit side of things and what people don’t always know is affecting their credit score. Stay tuned for that one, it will be a different post. I plan to draft a chapter on each of these services within the loan process along with the timeline and overview to try to help assist people and what means what and what to expect when. It’s been a blessing being a lender and realtor this last several years so I can see both sides of the coin and often it’s much easier just having one person to work with for all of it.

Client success story – Example of the power of being able to offer you all of these services…

I’m excited to be able to offer you more services including insurance and securities in the upcoming months. I already saved a real estate sale by knowing I could help my clients get an annuity that would help him qualify for a home purchase in a retirement community co-op. I knew his financial situation and by reallocating funds into an income annuity I was able to help him more than qualify. Otherwise he would not have qualified and would have lost at home he was looking forward to. I’m not sure if I know myself the power of all the knowledge I possess. Normally you would go to all these different people in all these different fields to be able to get your answers. You’d have to relay and repeat your story over and over to these individuals to get the help you needed. Instead, I possess the knowledge of all 4. I find it amazing that these services are not all offered by the same person or entity more often because these things are all tied together. That’s why my goal is to offer you full service financial, meaning everything that you could just about need… I can help you with. I also can definitely help you with all of the major services. Anything I cannot do myself, I have excellent referral sources for such as; CPAs, attorneys, auto insurance, home insurance etc. Thank you for your loyalty and your patience with me over the last two years while I started a new family and added these two major services to my tool belt to help you. I’m really looking forward to how all these things will dovetail together to help bless you and me in the years to come. Thank you as always for your continued support and referrals. You are a treasure to me and I am grateful to have you in my life.

Where have I been?

Hello Everyone!                                                                                                        June 2015

By taking a little time off at the beginning of this year I’ve been able to dramatically improve my service options for you. I’ll be rolling out several new things this year so be watching. In addition to real estate and mortgage services, I’m not sure if you are aware but I also am able to offer life and disability insurance, along with fixed annuity products. More on that as the months go by. Before the end of the year I should be able to the offering a variety of investment services such as mutual funds, money market accounts, annuities, etc. so stay tuned.

Client success story – Example of the power of being able to offer you all of these services…

I’m excited to be able to offer you more services including insurance and securities in the upcoming months. I already saved a real estate sale by knowing I could help my clients get an annuity that would help him qualify for a home purchase in a retirement community co-op. I knew his financial situation and by reallocating funds into an income annuity I was able to help him more than qualify. Otherwise he would not have qualified and would have lost at home he was looking forward to. I’m not sure if I know myself the power of all the knowledge I possess. Normally you would go to all these different people in all these different fields to be able to get your answers. You’d have to relay and repeat your story over and over to these individuals to get the help you needed. Instead, I possess the knowledge of all 4. I find it amazing that these services are not all offered by the same person or entity more often because these things are all tied together. That’s why my goal is to offer you full service financial, meaning everything that you could just about need… I can help you with. I also can definitely help you with all of the major services. Anything I cannot do myself, I have excellent referral sources for such as; CPAs, attorneys, auto insurance, home insurance etc. Thank you for your loyalty and your patience with me over the last two years while I started a new family and added these two major services to my tool belt to help you. I’m really looking forward to how all these things will dovetail together to help bless you and me in the years to come. Thank you as always for your continued support and referrals. You are a treasure to me and I am grateful to have you in my life.

Just a quick note to wish you Happy Valentine’s Day and remind everyone that I’m a lender under American Capital Corporation and real estate broker for both Washington and California under my own company “Rudie Realty” an independent broker. I left my Birkshire Hathaway Newport Beach office last year to do so but want to also send a shout out to my co-workers there. Miss you and see you in the field!March starts the madness of new homes going on the market for the spring selling season so if you want to get started…I’m ready! If you’re buying, lets get that loan approval done and ready so you don’t miss out on good deals. I’m as close as your cell phone or lap top and….I return calls at all hours.  unlike most. Looking forward to hearing from you!I decided to return to the quarterly newsletter so it will be ariving in sevral lucky email boxes this year. It also advertises local businesses with good reputations that are also my clients so feel free to look through the directory if you’re in need of a servce provider or want to be added to the list. Its ongoing and I have more to add. Again Happy Valentine’s Day everyone! Enjoy!…………………………………………………….

Merry Christmas and Happy New Year!

From our family to yours! Sending you love and blessings!

Adrean, Jeff & Amanda