Ingrid Laine

About Ingrid Laine:

Ingrid Laine

Senior Mortgage Planner

New American Mortgage

MAKING YOUR LIFE EASIER

Making it easier to own a home is what I do best. Whether you are looking for a new home, remodeling your current home, or want a lower interest rate, I understand financing a home is an important part of your family’s life.

Who you choose to guide you through the mortgage process is important. Knowing current interest rates is just not enough anymore, today a mortgage professional needs to know and understand all of the current loan products available to ensure a proper base for a family’s financial future.

EDUCATION AND EXPERIENCE

As a child growing up in Cedar Rapids, Iowa, I was always interested in finance. After Graduating from Washington High School, I attended Pepperdine University in California. Then I attended Bentley University in Waltham, Massachusetts, earning a bachelor’s degree in finance. I have been a Mortgage Planner for eight years helping several hundred families live better lives through finance.

NEW AMERICAN MORTGAGE

I chose to work at New American Mortgage because they are the technological leader in our field. New American Mortgage offers the best range of programs to help me help my clients. We offer no money down programs, government programs, first time homebuyer programs, and 100% financing, to name a few. If you are considering financing or refinancing a home come in and see me.

Virginia License Number: MLO-6503-VA

National Mortgage License Number: 292396

I Help Realtors Sell.

Quick Example:

A few months ago I was in jeopardy of losing a nice loan. The agreement was vaporizing in front of me! Here is what happened:

There was a $630,000.00 home for sale, the buyer wanted to pay $600,000.00 and the seller would not budge off the sales price on principle alone. Fearful that we would all lose out, both Realtors, the seller, the buyer, and me, I proposed an idea that would allow the parties to meet in the middle that closed the transaction!

First, I got to the real reasons that neither party would budge on price, the first was that the buyer had to keep within budget, in their case it was a monthly amount not the sales price. Second, the seller wanted to keep the price for personal reasons but would concede other costs.

So, I proposed that the seller buy down the buyers rate, effectively lowering the monthly cost of ownership by 20% and not just 5% which would have been the net effect of lowering the sales price to $600,000.00 ($30,000 is roughly 5% of $630,000.00)

This compromise was close to meeting financially in the middle with both sides getting what they really wanted. Plus, the buyer, a doctor, got to write off the points the seller paid in the transaction!

Everybody was happy, the seller, the buyer, the listing agent, the buyers agent, me, and me again when the seller used me to get their new home!

This is one example. I am quick to SAVE transactions! I am also loyal. If you bring it to me, I keep it with you because they are YOUR clients. When I bring clients to you I expect the same treatment.

—Ingrid

Mortgage Planner v Loan Officer

Being a Senior Mortgage Planner is not the same as being a Senior Loan Officer.

I have respect for Loan Officers work, however as they work day in and day out approving or declining home loans, a Mortgage Planner tends to work with experienced Certified Financial Planners and CPA's as a resource to aid them in executing financial plans.

Realtors that list higher end properties also use Mortgage Planners to help them sell their listings. The average person only thinks of professionals in my field when working with buyers.

With a proper Mortgage Plan a Realtor can open up their listings to thousands of potential buyers that would not qualify otherwise. This takes a meeting with the Realtor, Seller, and Mortgage Planning Specialist usually within a week of listing the property.