As a mortgage broker in Catonsville and vicinity, I can tell you that the market is hotter than a firecracker. It is a booming sellers’ market. Many houses that go on the market receive multiple offers within days. As a buyer, to WIN a deal, you need to be able to pull the trigger as soon as you find your dream home. If you snooze you lose. A Pre-Qualification is nice but it's just conversation . A Pre-Approval requires a Credit check, Employment, Income and Asset verifications. I do this for many of my clients in a matter of minutes. A verified Pre-Approval will assure the Seller that you are a qualified buyer and ready to go.
Catonsville is chock full of history. Here is the original First National Bank from 1897. It is now PIVOT (757 Frederick Rd - Catonsville, MD 21228) and has now been repurposed into a Co-Working Space for entrepreneurs
If you are looking to purchase or refinance your home and need a Mortgage Broker in Catonsville to provide a smooth, easy and quick process, I would be happy to help!
Mortgage Opportunity Featuring:
- 10% Down and No Mortgage Insurance. Usually 20% down is required. This will create increased purchasing power. You will get more home value for the same monthly payment.
- Easy SECURED On-Line Mortgage Application
- Escrow Waver = No Fee up to 95%. Pay your Tax and Insurance apart from the loan. This will reduce your Cash to Close by thousands of dollars.
My Mortgage Process
My loan process utilizes a secured on-line application coupled with the latest automated technology for documentation gathering and verifications. This method tremendously reduces the paperwork you will be required to gather and submit. My initial underwriting procedure for both purchase or refinance is to submit your loan to both Fannie Mae and Freddie Mac. Although it doubles my upfront cost, the results called findings, specify what documentation and verifications I will be required to submit with the loan package. The two results are usually different enough to give us an advantage to choose one over the other and speed up the loan process. This saves time and money. It’s like when you were a kid and pitted your mother’s demands against your father’s, and then you took the path of least resistance. Sometimes we get a request for much less documentation, other times an appraisal waver. The appraisal waver alone is worth up $600 in upfront cash and about 2 weeks in processing time. Upon Approval, your loan application will be placed with the agency that requires the least amount of documentation. For you that translates to the lowest fees and hypersonic closing times.
ADRIAN CITRONI - MORTGAGE BROKER
Primary Service Area: Catonsville & Vicinity
Academy Heights, Arbutus - Halethorpe, Catonsville, College Hills, Dunmore, Elkridge, Ellicott City, Oella, Paradise, Westchester
Licensed Loan Originator NMLS# 144522; MD - DC - PA - DE - VA - FL - CA
CALL OR TEXT: 410-916-0776