Hi, I’m Marc! Your anti-jargon mortgage expert. I look forward to helping you understand this crazy world of home loans.
I began my journey into the mortgage realm began back in 2012 during the HARP refinance frenzy. Starting as a Loan Processor, I quickly learned the importance of efficiency and precision, as the underwriting standards were exceptionally strict. This knowledge was carried along into Loan Origination when I obtained my license in 2014. Fast-forward to 2019, and I decided to become a Mortgage Broker and start my own 3rd Party Processing Company, Top-Shelf Processing. My primary focus is now educating clients on mortgage loans, while providing the highest level of service and expertise.
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A Secondary mortgage loan that is often a Revolving line of credit and not a primary mortgage lien.
A Goverment backed loan offered exclusively to Veteran's and their surviving spouses who have VA Entitlement established.
A Mortgage Product that is non-conforming and will be retained by the lender for servicing rather than sold on the MBS secondary market
Non-Qm Loans for amounts higher than the Conventional/Conforming Loan Limit
The Big 5 Conventional (Fannie Mae and Freddie Mac, FHA, VA, USDA)
A Government backed loan for Rural Home Purchases, the Property Address must be within established boundries.
A Government backed loan with both an upfront and monthly mortgage insurance expense
One of the most common Loan products.
A Building with multiple residences under 1 roof. i.e. duplex, triplex, 2-4 unit, etc.
A residence with a communal building that has residences above and below it.
A Standalone, site/stick-built residence.
A Property that is built in a factory and shipped to the site in which it will reside
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