Sabrina Boyd - NMLS#300925 California_Mortgage

How I work:

Sabrina Boyd Carlsbad Loan Officer has more than 18 years experience in the mortgage industry, real estate, international business and finance. She is bilingual (English/Spanish) and understands a challenging market having lived and operated businesses outside of the United States for over 14 years. She has experience in numerous aspects of finance as both a principal, a mortgage banker, as well as international finance.

Sabrina Boyd Carlsbad Loan Officer has built her career by making the loan process as simple and fast as possible for her clients. "I choose to take a comfort approach to all of my clients, helping them understand their options and the process from beginning to end."

"I'm aggressive in finding the best interest rates and loan programs out there and I also take a tremendous amount of care with my clients and make sure every detail is handled so they can enjoy the experience of refinancing or buying their new home. I pride myself on keeping current on all financial markets, new available loan programs, interest rates, and trends in the mortgage industry."

Whether you are looking to refinance your current property or you are looking for your new home loan, contact Sabrina, or use the simple online application right here at APPLY NOW and let Sabrina show you why so many people trust her as their Personal Mortgage Consultant for life.

"I look forward to working with you and your family."

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PRINT AND RETURN WITH DOCUMENTATION:

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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 paystubs covering 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.