Refinancing with Open Violation

Vanessa rocks if she says she can do something believe it!!!! After
THREE mortgage brokers promised all sorts of things nd wasted 16
months of my life on a whim I followed up on a post I saw on this site
and tracked her down thinking id just sound her out on a few things
that didn’t seem right. Because God know the last thing I ever
intended to do was go through another application process {I actually
had the commitment at that point but terms were suddenly changing}  By
about 30 minutes into that call I was forwarding her a tenth of the
documents the other broker wrung out of me and she had submitted my
application with an understanding that I could hold on to my
commitment until she delivered what she promised.
What did she promise? That that was all the documents I would have to
submit ,that I would have an answer in a week,that I would get a rate
half a point lower than I was being offered and instead of paying 4
points I was going to be paid two points towards closing costs, that I
could put less money down,That the loan would be placed and accepted
by a nationally recognized lender rather than the sub prime outfits I
had been led to believe were my only option and which had been putting
me through the wringer. She promised to be open and honest about her
fees and the behind the scenes fee structure even opening  the current
rate sheets to allow me to decide on whether to take more money for
closing or get my rate  lower than the thrilling rate of 4.37
fixed.when a couple of snags  came up she handled them like an air
traffic controller- literally hiring little old ladies over the phone
in a small town I had a second home in 3000 miles away to track down
documents in county clerks offices for $50 and overnight them. She got
the new lender to accept my already done appraisal and title
insurance. she found a government targeted zipcode grant I was
entitled to.she knew when to bully and when to flatter people like the
sellers attorney and realtor.and suggested creative structuring of
things like contract concessions to shepherd the closing through.
Did she deliver on her promises ? EVERY DAMN ONE OF THEM !!!!!!!!!
she literally had me processed approved and poached the loan number
from the other lender and got me closed in less than three weeks while
this other clown who had jerked me around for 8 months was still
trying to find some documents he had lost once again.Boy was he
surprised when he called to tell me he had extended my lock and I
would be charged a fee and I told him I was already close! Now that
was FUN!
FULL DISCLOSURE
I promised Vanessa I would sing her praises on here. But Gods honest
truth she truly rocks. she is trustworthy to a degree that’s rare
today and unheard of in this sleazy real estate racket,  extremely
competent,patient with you will explain clearly and in as much depth
as you wish whatever you ask  has great relationships with lenders
appraisers and their attorneys that work in your favor. and really
knows about the business.anyone can feel free to contact me personally
for more information.

michaelmilesryan

in Dept. of Buildings (DOB) 13 years and 8 months ago

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mholden0 | 13 years and 9 months ago

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We have an open DOB violation that we are trying to resolve, but it may take some time.  In light of that, what are the chances of being able to refinance?  Or should we just let sleeping dogs lie until we can resolve the violation?

adam_dahill | 13 years and 9 months ago

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I’ve gotten these done depending on the violation. You can search the forum and previous posters (and past clients) will attest that I can. 

-Adam Dahill

dobalerts | 13 years and 9 months ago

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Every bank works different. Best way to find out is to see if the bank declines your application because of the violation and take care of it later. Hopefully it will fall through the cracks 🙂

vthatcher | 13 years and 8 months ago

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I can do this without the searches.  We dont even run co’s on refinances unless its a wellsfargo loan. 

Feel free to call me for rates.  We are in the low 4’s.   Vanessa Thatcher _ATLANTIC HOME CAPITAL_ Tel: 631-687-3510 x106 EFax: 631-918-5222 Cell: 631-672-4113