There are many advantages to using Adrian Citroni, Mortgage Broker in Ellicott City when you need a purchase or refinance loan. It is easier, quicker and usually much less expensive than using a Bank.
Acting as your personal Muti-Media Digital Mortgage Broker, I will interact with many lenders on your behalf and act as your liason. I will bring you more loan options than any one bank can offer. I will match your goal to the best possible loan program and arrange a favorable rate without the normal struggles. My job is to collect and verify all the necessary documentation that is necessary to complete your morgage transaction. Much of my process is automated to prevent you from gathering excessive and unnecessary paperwork. This will save you time and money!
The Baltimore & Ohio Ellicott City train station is located within the national historic district in Howard County Maryland. It's the oldest remaining passenger train station in the United States and one of the oldest in the world.
B&O Station Museum
3711 Maryland Ave, Ellicott City, MD 21043
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.
Mortgage Opportunity Featuring:
- Easy SECURED On-Line Mortgage Application
- To help you WIN your offer to purchase, I can close and fund your mortgage in 15 Days.
- 10% Down and No Mortgage Insurance. Usually 20 % down is required. The reduced down payment willl create increased purchasing power. You will get more home value for the same monthly payment.
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: 410-916-077