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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The total monthly payment for the average mortgage loan. (HOA dues are included to qualify, but not collected on the monthly statement)
The Devil
An agreement between the borrower and lender to lock the current rate sheet at a point in time. Protects the borrower against future rate increases.
The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.
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