Matt Brady

About Matt

As VP of AmeriFirst's New home Division, Matt works with his partner Doug Smith to support builders and long standing Real Estate partners. Finding solutions to today's difficult regulatory environment is why he chose AmeriFirst as the best option for his clients.

Matt has always been an experienced, effective and ethical lender. He has been one of the top 5% volume producing loan officers nationwide for 7 of the past 8 years. He is a consultant to his clients and becomes a valued resource for them and his business partners. Matt is an avid (above average) golfer and also enjoys cycling and SCUBA diving. He is an Associated Professional with the NSDCAR which allows him to further support his Realtor Partners.

Matt Brady

VP New Homes Division

NMLS Lic #311662

One Del Mar

12544 High Bluff

Del Mar, CA 92130

858-342-8659 cell, 760-230-5321 efax

What I Can Do For You

Matt works with Realtors in San Diego County where he does the lion's share of his business, but he also has excellent contacts and experience all over Southern CA, and in the Lake Tahoe area. Matt has his CBR certification and is very experienced in providing new home and condominium project approvals. Matt has closed over 1000 escrows with new home builders and has close ties to the BIA. NMLS license # DOC 311662.

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This is what is needed for your mortgage application at Primary Residential Mortgage Carlsbad, CA. There may be more depending on your unique scenario, however this list pretty much covers it.

• Tax Returns for 2009 and 2010, if you have not filed 2010 then replace with 2008
• W-2's and/or 1099's for 2009 and 2010.
• Copies of Partnership or Corporate tax returns for 2009 and 2010 including k-1's (if applicable)
• Copies of paystubscovering the most recent 30-day period (if paid monthly, a total of two paystubs will be required)
• If retirement/pension income, copy of awards letter
• 2 Most recent bank statement, all pages all accounts for last 60 days.
• Investment accounts, 401k, IRA, brokerage accounts, etc. (assets) account statements, all pages most recent
• Copy of Drivers License and SSN
• If other property is owned, copies of recent mortgage statements or coupons, property tax bills, and homeowners insurance declarations page, any HOA dues if applicable
• Year, Make and Model of Vehicle with approx values
• Contact for Verification of Employment
• Contact Information for Landlord (if applicable)
• Letter of Explanation regarding Inquires on your credit. If you have not added any new credit lines, then this will suffice: I have not opened any new credit lines, or added any other debt not listed on my credit report.
• Letter of Explanation regarding ANY derogatory credit explaining any late payments, collections etc. For bankruptcies discharged in the last 7 years, explain what happened to cause the BK and mention that you have taken care of the cause as to ensure it will not happen again.
• IF APPLICABLE - copy of Bankruptcy papers, with discharge - Copy of Divorce Decree - Copy of Child Support Order

After receiving the above documentation at Primary Residential Mortgage Carlsbad, CA I will run your credit, check your ratios against future debts and issue a Loan Approval based on the information provided. The more complete the above items provided, the smoother your purchase or refinance will be.

Areas of Expertise

As a member of the Nationwide Mortgage Licensing System (NMLS) I specializes in helping first time home buyers in the state of California. I offer FHA loans, VA loans, and Conventional loans for purchasing, refinancing, and for taking cash-out of your current home.

My company, Primary Residential Mortgage, Inc, is affiliated with lenders that offer attractive FHA loans, VA loans and traditional conventional loan options. As a mortgage banker, I am able to place requests for FHA, VA, and Conventional loans with the lender that has the best rate for that day for my clients.

I offer pre-approvals for purchases, and help my clients by packaging their loan files in the most advantageous way, paying close attention to detail to get their request approved. FHA loans and VA loans have become the most popular type of mortgage financing due to the minimum or zero down payment requirements, exceptionally low rates and fast approvals. No more guessing if you're approved for a loan, now you can shop for that home with confidence knowing that you have the money secured to close.

Nice Things Said About Me

"Matt Brady is our Del Mar neighbor and is working with me on my loan. When things with Wells went bad, Matt stepped in and brought three options to the table. He is outstanding, and you should consider using him in the future. Seriously, out of everyone we worked with he was the only one who could get it done." D. Stapleton

"Matt was knowledgeable and timely in his respnse to my questions. I found him to be honest and trustworthy and my overall satisfaction was a 10 out of 10" T. Kern 12/27/10