Choosing the right lender can make or break your deal. It is extremely important to have a reliable lender with experience that you can trust and depend on to guide you through the home buying or refinance process. You need a lender that will answer their phone when you need them or get back to you right away, no matter what day or time. Justin is that guy!
Justin is committed to making his clients his number one priority and understands the importance of not only giving great service, but closing on time and having very competitive pricing. He understands that by giving great service and gaining his clients trust leads to his clients sticking with him permanently. This has been his motto since he started. Always close the deal and leave your clients happy!
Justin has over 15 years of experience doing loans of all various types. Conventional, Jumbo, FHA, VA, Bank Statements, Hard Money, Reverse Mortgages, he has done them all throughout the entire State of California.
Michael Rand and Associates, Inc. is a perfect fit for Justin which is why he has stayed loyal to this company since 2002. The reason is because this company is approved with over 30 lenders and offers and very broad range of products and competitive pricing that other companies cannot touch. This is a company that makes deals happen!
Justin attended the University of Kentucky on a baseball scholarship and majored in sociology. After attending college he played a couple years in the minor leagues. Once his baseball career ended, he got his real estate license and began a very bright career doing mortgages since 2002. He still plays semi-pro competitive baseball on the weekends in the best league in Los Angeles.
1.Gather your documents and fill out the loan application
2.Get your loan pre approved for a purchase or refinance
3.Find a home of choice with your realtor of choice (purchase only)
4.Loan submitted to the investor for final loan approval
5.Loan is approved and additional conditions may be needed upon final approval results
6.Gather and obtain remaining paperwork needed to get your loan clear to close
7.Once clear to close, you are clear for the release of loan docs
8.Sign loan docs with a notary
9.Loan docs go back to the lender to prep for funding
11.Transaction records with the County
12.You get the keys to your new home or save money on your refinance or get your cash out proceeds