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Help Me With My Mortgage! It Is A Tough One!!

Pamela Madore
Pamela Madore Mortgage
806-290-1920

Help Me With My Mortgage!  It Is A Tough One!!

Not everyone can walk into a bank and get a mortgage to buy a house.  Not everyone fits the "perfect" mold.  As a matter of fact, I would say the MOST people don't fit that mold.


One great thing about being a Mortgage Broker is that I have the availability of dozens of mortgage programs that will fit just about everyone's needs.  Where as Bank has typically less than 10 and they mostly have the same or similar guideline, I have the advantage of being able to see your situation and then go find a lender that will do it!

The days of "I've banked there all my life" are over.  Banks sell all (a few exceptions) of there loans into the secondary market and the secondary market will only buy loans that meet their guidelines.  It becomes the trickle down affect.  



I have the ability to do all of those types of mortgages as well.  And I do.  Specializing in personalized service---because it is just me!  But in addition, I have mortgages that don't fit the secondary guideline market and I can still do them.

Are you self-employed and turned down?   Do you have an ITIN?  Have you been on your job a short time?   Do you have low credit scores?  Have you had a foreclosure?  A bankruptcy? Don't have much money?

There are mortgage programs that fit many of those things.  They all have guidelines, too, but much easier to fulfill.


So don't be afraid!  If you have been turned down don't take it personally and just assume that the bank didn't have a program to match to you.  Maybe I do.

Call me for a free pre-qualification.  I don't have a website for you to "apply" on.  I am a little old school and want to get to know you.d

I am waiting to hear from you................................

Pamela Madore
Pamela Madore Mortgage
3955 S Soncy
Amarillo, TX 79119
806-290-1920
pamelamadoremortgage@gmail.com
NMLS#289635

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806-290-1920

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At Keller Williams Realty we believe that Technology is the key to capturing the vast amount of buyers and sellers in the market.   And we have turned the way we do business to make sure that happens!

At the moment, we have many things in the "Labs" stage.  That is, they are working and learning and growing.  One of our most innovative current "Labs" item is Kelle.

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Pamela Madore
Pamela Madore Mortgage
http://pamelamadoremortgage.com
806-290-1920

Not Everyone Fits In The Traditional Mortgage Mold--Unusual Financing Available

Unusual does not mean Guido.  All is means is that lenders are now offering programs that make sense even though they don't fit traditional financing.

Let me explain that just a bit.  


FHA,  VA and Conventional loans all have something to do the with government.  FHA loans are government insured against non-payment.  VA loans are guaranteed by the government for non-payment.  Conventional loans are "packaged" which means that similar loans are put together in big packages and sold in what is called the secondary market to create things like Treasury Bills. Therefore they have to meet certain strict guidelines.  That is really too complicated sometimes to even think about.  So I don't.  These are not for everyone.

These are called Agency Loans.

Now there are a whole set of other loans programs that are not "Agenc…