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Powerful Education for Real Estate Agents In a move to strengthen its long running and successful real estate education initiative, Prospect Mortgage is seeking detailed feedback on educational content and delivery methods through an online survey distributed to 150,000 Real Estate Agents across the nation. "In 2011, we put more resources than ever before into education for our Agent partners," said Todd Duncan, Prospect's Chief Performance Officer. "We had a terrific response, because the very challenging market has many real estate professionals looking for answers and guidance." Excited by the 2011 success, key Prospect executives from Sales, Training and Marketing resolved to make the company's 2012 Real Estate Education Seminar Series even stronger and more focused. "Prospect strives to execute at an outstanding level in all things and that includes creating value for our Agent partners," said Prospect EVP and training leader Kevin Tackaberry. To ensure that the 2012 curriculum is sharply focused on meeting the right business learning needs of Agents, Prospect created an online survey that allows Agents to rank a selection of business development topics, mortgage loan information and delivery methods in order of importance. Prospect distributed the survey to Agents on January 5 and received 200 replies within the first hour. "The feedback has been excellent so far, and responses keep coming," said Matt Tully, Prospect's Chief Marketing Officer. If you missed the survey that went out January 5, please click here to take it now! We are eager to get your feedback, and all respondents receive free access to an exclusive Prospect conference call in early Q1 featuring Michael J. Maher, real estate superstar and author of the book, "(7L) The Seven Levels of Communication: Go from Relationships to Referrals." |
LAST WEEK IN THE NEWS
Factory orders rose 1.8% in November to a seasonally adjusted $459.2 billion, following a revised 0.2% decrease in October. Excluding the volatile transportation sector, orders rose 0.3% in November.
Retail sales rose 1.2% for the week ending December 31, according to the ICSC-Goldman Sachs index. On a year-over-year basis, retailers saw sales increase 5.3%.
The Institute for Supply Management reported that the monthly composite index of manufacturing activity rose to 53.9 in December after a reading of 52.7 in November. A reading above 50 signals expansion. It was the 29th straight month of expansion.
Total construction spending rose 1.2% to $807.1 billion in November, following a 0.2% decrease in October. Economists had anticipated an increase of 0.5% in November. Compared to a year ago, construction spending rose 0.5%.
The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending December 30 fell 3.7%. Refinancing applications decreased 1.9%. Purchase volume fell 9.7%.
The Institute for Supply Management reported that the monthly composite index of non-manufacturing activity rose to 52.6 in December from 52 in November. A reading above 50 signals expansion. It was the 25th straight month of expansion in the services sector.
Initial claims for unemployment benefits fell by 15,000 to 372,000 for the week ending December 31. Continuing claims for the week ending December 24 fell by 22,000 to 3.595 million. The monthly unemployment rate fell to 8.5% in December from a revised 8.7% in November and 9% in October.
Upcoming on the economic calendar are reports on wholesale trade on January 10, retail sales on January 12 and consumer sentiment on January 13.
Written by Prospect Mortgage
As the Nation's Second Largest 203K Lender, Prospect Sees Demand Growing for Renovation Loans
Currently, foreclosures account for about 30% of all home sales in the U.S. Many of these homes have been neglected and are in need of repair. These market conditions have made renovation loans a hot item.
Renovation loans are very attractive for a number of reasons. The Federal Housing Administration (FHA) 203K renovation loan provides the money to both purchase the home and finance the home's renovation. The down payment required on a renovation loan can be as low as 3.5%. Renovation loans are also very convenient. With one loan, there's only one application, one set of fees, one closing and one monthly payment. At closing, the repair money is put into a special account for disbursement as repairs are completed.
Prospect has seen a sharp rise in the demand for renovation loans. To better service these increasingly popular loans, Prospect has put an experienced Renovation Management Team in place; implemented training and certification programs for Loan Officers originating renovation loans; and developed a Fast Track Team to expedite the renovation loan process.
Consequently, Prospect has increased its renovation loan market share in the past couple of years by more than 80%. In fact, today Prospect is the second largest FHA 203K renovation lender in the nation.
Only a limited number of lenders offer 203K financing. With foreclosure sales running six times higher than normal — and many of these homes in need of repair — just knowing about renovation loans may make the vital difference to motivate your buyers to purchase.
If you would like more information about our renovation loans or have any questions about how such a loan may benefit your clients, please call me today.
Written By Prospect Mortgage
Mixed Use Properties financed using FHA's 203(k) Loans
What is Mixed Use? Simply put, a mixed use property is any real estate that has a combination of both residential and commercial units.
Many people don’t realize that they can purchase a mixed use property using FHA's 203(k) Rehab Loan. Many buyers think they will need a commercial loan with a large down payment to buy a mixed use property even if the majority of the income produced is from the residential section of the property.
OK.....Here is the MOST exciting Part:
The commercial space is not counted as a unit in determining if the property is to be treated as a single family, duplex, triplex, etc. Therefore, a property with four residential units above a commercial space is considered a four unit and can be financed using FHA's 203(k) rehab loan with only 3.5% down payment.
One thing to remember, the buyer will need to occupy one of the residential units as their primary residence. They may not already have an FHA loan on a property already owned by the buyer.
This is an amazing opportunity for buyers to buy their primary residence while at the same time investing in commercial property using a residential loan.
If you were to compare general commercial loan terms to an FHA 203(k) loan, you'd realize that the FHA 203(k) loan is much for favorable in most cases:
| Commercial Mixed Use Loans | FHA 203(k) Rehab Loan Mixed Use |
| Term - fixed rate: 2, 3, 4, 5, 6, 7 & 8 Yrs | Term- 30 Year Fixed or 5/1 ARM |
| Adjustable rate available | Adjustable rate available |
| Amortization: 20, 25, and 30 years | Amoritization: 30 years |
| Prepayment: Multiple options | No Pre-Payment Penalty |
| Loan to Value Ratios: 75% for most loans | Loan to Value Ratios: 96.5% |
Eligibility Crtiteria:
· Property must be marketed and currently used as residential. (conversion from commercial to mixed use not eligible)
· The floor space used for commercial purposes cannot exceed:
· 25% for a 1-story building
· 49% for a 2-story building
· 33% for a 3-story building
· Zoning must be mixed use as determined by the appraisal
· Commercial space cannot affect the health and safety of residential occupants.
· Rehab funds can only be used for residential functions of the dwelling and areas used to access the residential part of the property.
· Commercial rent may be used as income IF space is currently being used as commercial enterprise and has a valid lease that will continue.
· Appraisal Requirements
· Appraisal must be completed on FHA Appraisal Form 1025
· Like comparable sales in the area must be available and used on the appraisal
· Appraised value assigned must be completed as if the total property is for residential use
Below is a chart for the "High Cost" counties in California which specifies the MAX loan limit depending on the number of "Residential" units for the Mixed Use Property:
| FHA LOAN LIMITS BY COUNTY | One-Family | Two-Family | Three-Family | Four-Family |
| Alameda | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Contra Costa | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Los Angeles | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Marin | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Monterey | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Napa | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Orange | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| San Benito | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| San Francisco | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| San Mateo | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Santa Barbara | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Santa Clara | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
| Santa Cruz | $ 729,750.00 | $ 934,200.00 | $ 1,129,250.00 | $ 1,403,400.00 |
For additional information about loan limits in other counties please visit: https://entp.hud.gov/idapp/html/hicost1.cfm
Please contact me with questions.... I love to discuss different sceanrios and see how I may make them work for you. I am 203(k) certified.... My motto: you won't know unless you ask.
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Make Your Advertising Click with AdWords
In 2010, Google generated a whopping $28 billion in advertising revenues, with the lion's share coming from AdWords — those brief ads or "sponsored links" appearing above or beside Google search results.
As a sales professional, you'll like AdWords for two main reasons: You're advertising to an audience already interested in some aspect of your business, and you pay only when someone clicks on your ad.
When pay-per-click (PPC) advertising began, ad rankings were based on how much you were willing to pay or "bid" for certain keywords. While Google maintained this auction-type system, it added a second "ranking" component — the Quality Score — which weighs factors like the historical click-through rate (the percentage of visitors who click your ad), the quality of your website, and the relevance of your keywords. Like the recipe for Coca-Cola, Google's ad placement formula is closely guarded.
Because Google partners with millions of websites, your ad can reach users all over the web or you can customize the placement of your ad for a local market only.
To analyze the effectiveness of your ads and justify your advertising expense, Google provides Placement Performance Reports. These detail the domain, click-through rate, conversion rate (the percentage of visitors who take a desired action once visiting your website) and cost data for each site an ad appears on.
If you don't want the hassle of constantly testing, tweaking and optimizing your ad campaign, AdWords Express will manage it for you. In minutes, you can create an ad and set a budget, and Google will handle everything else automatically as your ad starts reaching people looking for what you offer.
For more information, visit Google AdWords.
Written by Prospect Mortgage
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Preferred Lender for Fannie Mae's HomePath REO Loan, FHA, 203(k) Rehab & Jumbo Loans. The finest lending experience you could have. BEST resource for California Jumbo Loans
Julie searches the market for all possible financing scenarios, seeking highly competitive financing for the first time home buyer to the multi-million dollar investor. Underwriting, drawing documents and funding "in-house" for escrows that close "on time", every time.
Julie joined Prospect Mortgage, with a commitment and a strong desire to always do what is right for her clients. She is committed to exceeding your expectations during and after your mortgage loan experience. With a wide range of programs, she will ensure that you will always obtain the loan that is just right for you, addressing your specific financial needs while delivering quality service and honesty.
In October of 2002, Julie took her business to a whole new level, she conducts business as a "By-Referral-Only" Mortgage Consultant. What this means is that she invests 100% of her time delivering 1st class service to her clients. As a result, her valued customers, suppliers, and friends refer their family members, co-workers, neighbors and other people they know to her for advice when getting a home loan. She is interested in building strong, life-long relationships one person at a time. Julie has developed an exclusive program, Road to Wealth, in which she has deliberately focused on serving the financial needs of those who want to make the most of owning a home and using their mortgage as a financial tool rather than an obligation. She is insightful and compassionate to the needs of each client.
"In addition to working as a mortgage consultant, I devote energy to my beautiful son- Ridge, my twins- Gage and Marki Lynn and my wonderful husband, Mark as well as continuing my education. I believe a well balanced life is a state of well-being that you can reach that allows you to manage effectively multiple responsibilities in your career, your family, your physical health, and your spirituality".
- Julie
Julie Chroust, Senior Mortgage Consultant
Prospect Mortgage, 6601 Owens Drive, Suite 155, Pleasanton, CA 94588
Office: 925-516-5809 * Cell: 925-381-1481 * Fax: 877-618-6601
Email: Julie.Chroust@ProspectMtg.com
Visit my Naymz Profile to Lean About Me / Search the Multiple Listing Service for Free
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A Personal Note from Julie:
I assume you are reading this because you want to know about me as a Mortgage Consultant. I am not going to tell you that I am invincible, or bulletproof, or can leap tall buildings in a single bound. I'm not going to spam you, or waste your time. I'm not going to contact you if you don't want to be contacted. I'm not going to promise things I can't deliver, or push you into decisions you are not comfortable with, or say things to you just to make a sale.
What I will do is simple; I will be your trusted advisor for all things mortgage related. And fortunately for me, my clients think I'm good at it. You see, this is about you. It's your money, your house, your life. I am here to help you get there, wherever "there" is. Just take a look below at all my happy clients.
I listen intently. I try my best to understand your needs, your concerns, your fears, and your preferences. I give you options, and explain your choices. I tell you the truth always. I give you advice, and make sure you see all potential outcomes. I return phone calls and emails promptly. I work hard to make sure I am up on the market and the latest guidelines. I network religiously and read voraciously so I can be a trusted source of mortgage information for you. And I improve my skills at every opportunity so I can be as effective as possible on your behalf.
What you Should Know
Since you are considering having me help you as your mortgage consultant you should know that yes, I am well qualified. I have been a mortgage consultant for over 10 years. I integrate technology into the process to help my clients achieve their goals, and to enhance their experience and save time (we all know how valuable time is these days). I believe I bring a lot to the table on your behalf. If you really want to know my qualifications, call me or shoot me an email and I will send you a resume (its free).
You should know that mortgage is what I do, not who I am. I do have a life outside of mortgage. I am a wife, and the mother to 3 amazing children. I have 1 cat, but considering getting a dog too. In my free time I like to work out, play golf, participate in any water sports or anthing that involves a boat. I like to facebook, twitter, and post fun informative articles to my blog. I do a bunch of community stuff like volunteer at the local schools, and I especially love getting involved in assisting veterans and their families. I am also the President of a BNI Chapter "East County Business Builders", BNI is the largest business networking organization in the world.
Yes I have help. My team of amazing professionals who work with me to get the job done. They are enthusiastic, professional, responsive, eager to help, and great to work with too!
So that is me in a nutshell. If you are looking for someone to help you with your mortgage needs, give me a call or drop me an email. The one thing I can promise you is that I care, my team cares, and we will be there to assist you every step of the way. And we will have a little fun in the process!
Amelia Vornhagen- "Phenomenal Mortgage Professional"-That's Julie Chroust. Julie not only has the necessary work ethic and industry knowledge that should be required of all mortgage personnel, but she has the integrity and care necessary to guide and help protect her clients and their future investments.
Juanita Mims- Julie has become a friend over the 5 years that I have known her. She helped me with a re-finance that took over 3 years to complete due to some personal problems that I had. She has always been professional and courteous each time that I had questions and concerns. I would highly recommend her services to anyone who needs to purchase a home or re-finance an existing loan.
Donnie Rath- In my experiences in working with Julie, she treats her clients and business partners with honesty, respect, and integrity. Her clients always have good things to say about their experiences in working with her.
Greta Gissel- Julie is the hardest working woman I know. She is extremely knowledgeable, courteous, conscientious and always willing to go the extra mile for a client. She exemplifies what a person would want in a mortgage expert. She is honest, and has incredible integrity. Julie is not only a wonderful person to work with, but she is a strong and incredibly amazing person. I am a better person from knowing her.
Bruce Burrows- Julie displays the highest level of integrity and professionalism; always putting her clients first and researches her industry constantly. And, she's a very nice person.
Austin Butler- I truly think Julie is a very honest and wonderful person. She is also a very hard worker, who is very adaptable at what she does. Any job she takes on she gives it her best.
Sam Mahshi- In this day and age of mortgage financing, it is pertinent to seek honesty and integrity in a loan consultant. She offers a wealth of knowledge and experience in real estate lending. Julie exceeds expectations as a consultant in providing current information and great service overall.
Rose Cortes- Seriously, Julie was amazing, patient and just so supportive during the whole process of refinancing. I can't thank her enough for what she has done for me. She is a wonderful loan officer. Words are just not enough to describe how kind she was and how efficient she was and the service she provided.
Chet Caballero- Julie Chroust is what we need in the real estate &; financing business. She is trustworthy, professional &; knowledgeable in her field of work.
Casey Minister - Julie made the home-buying experience much less stressful. She was very knowledgeable and always returned our calls and emails very quickly. She is honest, straightforward and she also got us a great loan. Thanks Julie!
Chris Lince- Julie stands out in the mortgage industry as one of the most knowledgeable and honest individuals I know. She keeps herself educated and up to date with all the changes in the mortgage industry. She consistently communicates with all parties in the transaction so no one is ever left out or wondering what is going on. Julie Chroust takes her career very seriously, as this is one of the largest investments people make in their lives. She works long and hard to make sure she delivers all the information properly so her clients can make the best financial decision for themselves.
She is absolutely the best Loan Consultant I know.
Marjorie Birky- I have been fortunate to have worked with Julie for several years. She is one of the hardest working women I know, and I have a tremendous amount of respect for her. Julie is a beautiful person inside and out. Three words to describe her way of doing business, and the only way she knows how, with Integrity, efficiency and honesty.
Zach Chop- She was very helpful and extremely professional. She made the entire loan process understandable and easy. She encouraged questions and her attentiveness to our needs was well known.
Zipporah Andrews- Julie is an organized, very ethical, extremely competent mortgage consultant. I have known Julie personally for almost all my life, so I do know her values and missions in life, and she has always been an inspiration to me. (this however is NOT why I recommend her work; I do so because I know first hand her commitment to her clients.) Her success speaks to her abilities. I have met some of her other clients and they all have only great things to say about Julie and the process she guides them through. She has been so helpful during this very difficult time in our economy, when lenders and the real estate industry are going through such craziness. I could not do this with anyone else. Julie is tireless and upbeat; infusing her work with her beautiful kind spirit. I recommend her to anyone who is looking for an honest, intelligent consultant! Julie is a true professional in her business. She looks out for what is best for her clients and continually educates herself and her clients. Julie is honest and has strong integrity.
Shiela Davis- Julie is hard working professional in her line of work, with a lot of knowledge in the Mortgage industry. She is very willing to answer any questions for you or your clients. even if there is no benefit to herself. She has many years in this field and I would highly recommend her to any of my friends and family.
Ed Jeffry- I've known Julie for just under a year now and I would endorse her as an honest person of the highest integrity.
Amy Alvis- Julie has the experience and knowledge of the mortgage industry to provide the best service for her clients and business collegues. She has wonderful personality and work ethic. Julie is always on top of what is going on in the mortgage, real estate and financial market so she can be on top of it all for her clients. She really wants to help people realize their dreams and has an amazing attitude. She would be a great person to work with both as a client and as a business partner.
Carole Thoresen- If you are looking for a lender who knows what she is doing, knows the most current programs out there?
If you are looking for a lender who doesn't drop the ball who follows through?
If you are looking for a lender who keeps you informed?
If you are looking for a lender who tells you your client is pre approved and you can count on what she says?
If you are looking for a lender who will close on time?
All of the above with a possitive and pleasant attitude always!
Julie has done several transactions for me over the last four years. She has a high standard of ethics, she is trustworthy, very knowledgeable in what she does, helpful, easy to contact and always returns calls in a timely fashion. She has the ability and knowledge to foresee potential issue ahead of time and put them to rest before they become a problem. If you are looking for a lender that you can trust and count on getting the job done for you “on time” you’ve just found her!";
Jon Brockway: Julie helped us get our house refinance when the market was falling apart. She actually "got it done" when other people told us it was impossible. Easy to work with, fair honost dependable. We would work with Julie again and recomend her highly.
Frank Ramano: Julie has a good focus and insight into the her industry, Knowledgeable, great communicator, out of the box thinker, team player, a pleasure to work with.
Mark Beck: Julie is the most professional person I know in the real estate lending industry, and I know LOTS of them. I would recommend her at any company she works for or with, because I know she can be trusted to do a superior job in a more than timely manner.
Shilpa Chandran: Julie Chroust is extremely knowledgeable and personable. She not only keeps herself up to date with the market trends, but also helps first time homebuyers like me by creating interesting and detailed blogs. One of her best qualities is her response time. I have had a great experience working with her and would highly recommend her to anyone looking for a reliable and knowledgeable mortgage specialist. With Julie, you can be assured that you are getting the best possible solution for your mortgage needs.
Myrna Jones: Julie is a detail-oriented manager who watches the balance sheet like a hawk without ever losing wight of the strategic objective. She will work diligently for you and keep you in the know about your mortgage and investor information.
Carlos Rivera: Julie is one of the best mortgage consultants I have worked with. On behalf of Alejandro, Maria and my self I would like to say "Thank You" to Julie Chroust and her team. I know how hard everyone worked and how difficult it was to get this done in literally two weeks! Execution was flawless and I'm really impressed with the submission, approval and follow up process from each of you. We are eternally grateful and you can count on me sending as many referrals as I possibly can.
Elvira Ashmun: I Highly recommend Julie as a loan officer. Julie has high integrity, trustworth, consistent and is reliable. She is very detail oriented. She is always willing to go that extra mile and she does it with a smile on their face. I have directed a number of Buyers her way and I always hear positive responses and praise.
Bill Joyce: It has been a pleasure working with Julie on mutual clients. Financing is central to successful real estate transactions and satisfied clients...and Julie delivers.
Rani Distefano: Julie is a smart, dynamic, highly reliable, and extremely professional. Enjoy working with her.
Patricia Shu: Julie is very efficient and prompt on her services.
Farah C. Rodrigues: Dearest Julie, Thank you so much for your patience and courtesy, all your professionalism, explanation and teachings about the whole process. I am grateful.
Sharon Woodbury: Julie is very knowledgeable. Great at returning calls and answering questions. Highly recommended.
Victor Magana: Julie was in charge of my mortgage and worked with Intero, Brentwood office, very good service.
Mike Spain: Julie has been a major contributor teaching me about mortgages in the new world. She is selfless when sharing her ideas with me and giving me direction. Most loan officers are so afraid but Julie just wants to help everyone she talks to be that loan officers, clients, or other Real Estate agents. Her kindness and compassion for people is a blessing and the reason why she does so well.
Jennifer Romiti - Julie did a great job from start to finish! She kept me informed and did exactly what she said she would do! She closed the loan! Thanks Julie!
Paul Conti - Julie Knows her stuff and has done an excellent job time and time agian.
David Jones - Julie Chroust is one of the most professional and dedicated persons that I know in the Lending and Real Estate business!
Shannon Coe - Julie Chroust is the type of Lender you want on your team! She goes the extra mile
to get the loan done and always makes sure we are looking out for the clients best needs. She can get the tough loans closed.
Vickie Nagy - Julie Chroust is extremely knowledgable and fast! Loans today are so complex and it's important to work with someone at the top of her game! If you need a home loan, you need to talk to Julie!
Maria Nasol - Julie was awesome - the homebuying experience is a stressful experience - and with the current changes even more so. Julie really really made it so easy for me - she definitely knew the ins and outs of the process, made sure I was well informed on the whys and the hows of the process and the response time was remarkable - she always responded to my emails and calls promptly. She was very upfront about potential issues and provided support and guidance on mitigation. I felt that she did everything within her power to make sure I had a successful purchase experience and I feel very lucky and grateful that I had Julie as my loan officer. I doubt if any other loan officer would have provided the same level of service as she has. Julie should be cloned... :-)
Julie Chroust is proud to have served family, friends, and neighbors throughout California for more than 10 years. Julie is firmly rooted in the area and is committed to maintaining the community-oriented culture. Julie takes a personal interest in each of her clients, striving to truly understand their needs and goals, and to exceed their expectations.
With combined real estate and mortgage experience, Julie strives to exceed your expectations, to be worthy of your trust, and to earn your repeat and referral business.
Julie has the advantage of offering a wide range of loan programs to customers: Fannie Mae Loans, Freddie Mac Loans, FHA Loans, FHA Renovation Loans, Veterans’ Administration (VA) Loans. CalPers, CalSters, CalHFA and Fannie Mae's HomePath REO loans.
Julie is a mortgage leader because Prospect Mortgage is a mortgage banker, in addition to being brokers. With Prospect Mortgage, you're working directly with the bank so you'll experience streamlined processes, instant access to the best rates and loan programs, the fastest turnaround time possible, timely communication and warm personalized service.
One of Julie's specialities are jumbo loans in the state of California. She offers jumbo loans for purchasing, refinancing, and cash-out refinancing.
Julie also specializes in First Time Home Buyer Programs such as the Homeownership Program through the California Housing Finance Agency. The mission of Homeownership Program is to provide affordable housing opportunities by offering below market interest rate mortgage programs to very low-to-moderate income first-time homebuyers. There are several unique features and programs offered which may fit the need of the prospective buyer.
DOWN PAYMENT ASSISTANCE LOAN PROGRAMS
Julie is also the leading provider of mortgage services for individuals seeking a residential mortgage, and Prospect Mortgage is an exceptional company for qualified mortgage loan professionals seeking a professional office in which to succeed.
Julie knows what it takes to be a successful leading mortgage banker and broker, and she passionately and consistently does what it takes. In addition to her strong commitment to the communities she serves, she delivers superior service throughout all phases of the mortgage process, creating exceptionally satisfied customers and successful industry professional partners in the process.
Prospect Mortgage lending in all 50 states.
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