|Mortgage and Lending||
|Area Director|Sr. Mortgage Banker-Seckel Capital|
|location_on Newtown, PA|
|NMLS 413824 License 51196||insert_link http://carloshernandez.seckelcapital.com|
|web Carlos Hernandez's (thebestmortgageexpert) Blog|
Thank you for visiting my website. My philosophy is to listen to each customer's needs, and respond to those needs efficiently and effectively. I strive to build long-term relationships, so that as your lender, I will be with you each time your life necessitates a home change. Many lenders can 'get you a loan'. My goal is to 'get you the right loan'. I am proud to be a loan officer for Seckel Capital. I look forward to fulfilling your home financing needs.
Experience I come from a family oriented around business and good old fashioned values. As a result, I believe in giving my best to my clients along with giving back to the community. Some of my earliest memories are of working together as a family to provide service for others and brighten the communities we lived in.
We specialize in FHA, VA, and Rural Development mortgage loan programs. We offer these programs along with the traditional conventional mortgage programs. We are experienced FHA lenders, with proven results in credit help. We have developed excellent reputations and relationships with our investor partners.
That quality investor relationship is of critical importance to you, our client.
My real estate agents know they receive my full commitment and the commitment of our local and our corporate staff. I stay fully accessible.
I return phone calls.
I tell the truth.
My clients and partners are kept fully informed of the status. My experience both as a mortgage loan officer and as a mortgage lender helps me to identify potential loan approval issues early in the process. This allows my clients to have right expectations about their home financing transaction. I know the financial goals of my clients and work hard to develop a lasting relationship with them.
Credit has become increasingly important in today's market. We have demonstrated results for many of our clients in helping them improve their credit histories without using for fee credit repair companies. In fact, I have been helping clients with their credit for several years. In today's market, good credit management can have a significant impact on loan approval and loan terms. I will take the time to review, explain, evaluate, and advise.
FHA home loans have always been a specialty. Even when FHA was losing market share to subprime and Alt A mortgages, we were closing FHA mortgage loans. Other brokers may have steered borrowers into subprime loans. I worked with borrowers to get an FHA home loan approved. Because of that, I gained considerable processing experience with the art of manual underwriting and full documentation. Processing can make all the difference in getting a loan approved.
We put technology to work for you. This makes your loan process smooth.
You know the status.
You have the information.
You can make the informed decision.
Lending is local. We use technology to give you local service - right where you are
Eastern PA Top Producer Annual Awards 20 Million Dollar Club 2010,2011,2012,2013
First Time Home Buyers, FHA, VA, Loan Origination, Refinance, USDA, Management, Public Speaking, Team Leadership, and Sales Management
I'm passionate about helping people obtain their dream of home ownership! To sum it up I LOVE this business!