Lecture 1: Introduction to Urban Atmospheric Flows By H.J.S. Fernando.
Introduction To Fernando
14
Fernando “Tony” Caraballo Senior Loan Officer
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Today’s real estate environment is full of challenges. As a bi-lingual loan officer with over 15 years of experience in the Arizona real estate market, I’m uniquely qualified to assist you in navigating through the lending process. Whether buying that first home, refinancing or buying that dream estate, clients are confident that I will have their best interests at the forefront of everything I do. My goal is to make the loan process as smooth and seamless as possible. Professional, knowledgeable, ethical and persistent. These are characteristics which I possess as a military veteran and mason. These are also the characteristics my clients seek out in a lending professional. Most importantly, I’ll get your transaction done. Many high-end clients have financial & property requirements which do not fit into cookie cutter loan programs. These challenges might include special Investment property needs, high land to home values, unique properties and vesting just to name a few. Academy mortgage offers specialty niche products for these clients; Foreign National, Pledged Asset, Depleting Asset programs and entity vesting is available. If you’re a military veteran this is the place to be. As Army Veteran myself, I know the importance of family and honor. You can count on having an advocate who will always be on the level and always looking out for you and your family. Most importantly, I’ll get your transaction done. We offer Conventional, FHA, VA, Jumbo, USDA Homepath and Homepath renovation loan products
Transcript of Introduction To Fernando
Fernando “Tony” CaraballoSenior Loan Officer
A Brief Introduction to Tony
A Professional Loan Officer
Strategically Align with Select Financial Planners, Real Estate Agents, and Businesses
A Proven Model for Growth
Let’s Meet Tony• 11 years within the financial
services industry
• Former Real Estate Professional
• Bi-lingual Spanish Speaking
• Member of National Association of Hispanic Real Estate Professionals
• Married father of 2 with 2 grandchildren
• Arizona Free & Accepted Mason
• Certified Interscholastic Coach
• Enjoys Coaching, Baseball, Golf & Football
• All calls returned within 30 minutes
• Loan Pre-approvals within 24 hours of application
• Closing Statements (HUD I) within 24 hours of closing • Attend all loan closings
• A partner that will help you build your business
• A mortgage expert designed to create raving fans of your customers
GUARANTEES
Never Lose Another Lead 3 Items Performed After Each Referral
Send Buyer a Follow-up Email
Schedule Follow-up Call to Buyer in Outlook
Call Agent Immediately
What Agents and Buyers are saying about Tony
“Tony has historically done a terrific job for my clients, paying close attention to the details to ensure the loan closes on time and without surprises.”
David Blobaum, RE/MAX Excalibur (480) 329-6327
“…Tony helped us through the process every step of the way and got us into our first house. Without his help I don’t know what we would have done.”
Nathan Combs,Customer (623) 640-8718
“…Tony” is one of the best loan officers I’ve worked with in my 20 years of being a real estate agent.”
Lupe Bosserman, Peggy Rauch Group (602) 617-4536
Purchaser
Fernando “Tony” CaraballoLoan Officer
Office 480-767-7886 / Cell 602-510-4588
E-mail: [email protected]
Underwriter
Escrow Officer
Closer
Closing
Bobbie Jo Rybecki, Processor
Office 480-767-7886E-mail: [email protected]
• Contacts Loan Officer for financing information
• Gathers information needed for application
• Starts looking for new home
• Discusses qualifying, monthly payments, and cash needed for closing
• Explains various loan programs available and quotes interest rates
• Assists you in completing the loan application
• Leads the team to ensure excellent customer service
• Communicates with you on items necessary for your loan closing
• Pre-underwrites and prepares loan for approval
• Works with all parties
•Contacts you for any missing documentation and Home Owner’s Insurance information
• Renders final decision on your loan
• May request additional documentation from you
• Works directly with Loan Officer and Processor to approve your loan
• Assembles package for your closing day
• Sends package to the Title Companies office
• Reviews and Approves Settlement Statement prior to your signing
• Takes place at Escrow Agent’s office.
• Bring a certified check or wire funds to closing
• Escrow agent sends signed documents back to lender
• Lender releases funds to Title company
• Deed recorded with County. CONGRATULATIONS on your new home!
The entire Academy Mortgage staff would like to take this time to thank you for the opportunity to serve you.
It has been our pleasure to work with you and sincerely hope that you will enjoy making your new house into a happy home!
Summary of the Loan Process
• Prepares Settlement Statement and e-mails it to processor, loan officer and closer for review
• Contacts you to review settlement figures and cash within 24 hrs. prior to signing
• Manages the signing process. Reviews and explains all documents with you prior to signing
Why Fernando & Academy Mortgage?
• Professional• Exceptional Service• Powerful Products• Valuable Knowledge
What does it take to be a
professional Loan Officer?
Strategic Marketing
Drive Leads Your Way
1. Buyer Acquire 1-800 Call Capture service on your listings with live call center
2. We’ll repair your credit challenged customers with My E-Credit Advisor system and send them back to you when they are ready to purchase
3. Client retention programs are co-branded 3 year program of keeping in touch with your clients
4. You will get more business simply as a result of my ability to create Raving Fans out of your customers!
Create more Raving Fans as a result of doing business with me!
Ensure your customers select the right product and receive the best service!
