The Mortgage Game has Changed
The Real Estate Lending Industry has gone through one of the most rigorous transformations over the last decade. Following the major financial crash of 2008, that followed the 2007 sub-prime mortgage meltdown, a combination of strict lending underwriting and strict licensing regulations took place. These changes and new regulations were much needed, but also made mortgage lending a very overwhelmingly complicated and detail oriented process. Roland Bennett Loans Team breaks those barriers down, and will provide a common sense driven explanation of your particular situation, and how it relates to your ability to qualify for a variety of many different loan programs. Roland’s team is extensively experienced in interpreting and explaining Conforming Fannie Mae, Freddie Mac, FHA, USDA, VA and Portfolio Jumbo Underwriting Guidelines, so that each borrower can relieve stress by being involved. A majority of today’s Loan Programs reach 1,000+ pages of new and updated underwriting guidelines and restrictions. It’s all about the borrower’s Ability To Repay (ATR) that is heavily scrutinized. No Doc and Stated Income loans no longer exist in today’s residential mortgage market when applying for Conforming, FHA, USDA, VA and Jumbo loan programs.
Roland’s team has the experience and comprehension of todays’s vast mortgage underwriting guidelines, to help you understand all of your options, and to recommend mortgage loan programs that will be the most efficient for your Real Estate purchase or refinance. Whether you are a First Time Home-buyer in Arizona, California, Florida, Illinois, Oregon, Tennessee, Texas or Washington, or you are a seasoned Real Estate owner and investor in one of those states, Roland’s team has the ability to qualify quickly and thoroughly. Our team will quickly navigate through the thousands of pages of guidelines to obtain Loan Approval and the Clear to Close as quickly as possible. Closing your loan is our #1 Goal, and doing so in a consultive and transparent manner is our mission.
Quick qualifications & Solid Pre-approvals
Fast and thorough credit evaluations
Creative lending tailored to unique situations
Specializing in Self Employed borrowers
Mortgage Planning for applicants that do not immediately qualify
Full Service Advice and Origination for PURCHASE & REFINANCE loans in Arizona, California, Florida, Illinois, Oregon, Tennessee, Texas and Washington
Mortgage loans insured by the Department of Veteran’s Affairs (VA) are deservingly the best priced mortgages on the market. If you have ANY military experience, Thank You for your service. Find out more today.
First Time Home Buyers
Self Employed Mortgage Planning
Creative Mortgage Solutions for the Self Employed. Some of the most intricate and complicated underwriting guidelines are related to Self Employed borrowers. Understanding how each loan programs calculates effective qualifying income is the key to obtaining a loan approval.
Vacation Home Mortgages
Vacation Homes and Second Residences are quickly becoming very popular in AZ, CA, IL, FL, OR, TN, TX and WA. Mortgage Lending for Golf Getaways in Scottsdale, AZ, financing for Downtown Chicago Condominiums, and loans in Austin, Dallas, Flagstaff, Houston, Los Angeles, Lake Tahoe, Miami, Napa, Nashville, Oakland, Orlando, Palm Springs, Phoenix, Portland, San Fransisco, San Diego, San Jose, Seattle, Tampa Bay, Tucson, and all surrounding areas.