Hi, I’m Marc! Your anti-jargon mortgage expert. I look forward to helping you understand this crazy world of home loans.
Marc's journey into the mortgage realm began back in 2012 during the HARP refinance frenzy. Starting as a Loan Processor, he quickly learned the importance of efficiency and precision, as the underwriting standards were exceptionally strict. This knowledge was carried along into Loan Origination when Marc obtained his license in 2014. Fast-forward to 2019, and Marc decided to become a Mortgage Broker and start his own 3rd Party Processing Company, Top-Shelf Processing. His primary focus is now educating clients on mortgage loans, while providing the highest level of service and expertise.
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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