To make your quest for your dream home easier, quicker and much less expensive than the old-school bank, you will need a Mortgage Broker in Oella to structure the financing for you that will make it happen. With more than 28 years mortgage experience, a degree from UMBC, and additional training and certification as a Certified Residential Mortgage Specialist making all types of loans: Conventional, FHA, VA , USDA, Jumbo - fixed rate & adjustable, Adrian Citroni is the perfect go-to guy for any type of home lending.
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.
I’m a full-service muti-media digital mortgage broker. Muti-media refers to my process. I communicate with my clients, lenders and transaction partners via email, phone, voice mail, US Mail and video.
Oella Church Building - 803 Oella Ave
Periods of high inflation cause all prices to rise. It is a good idea to put your money into assets that will hold or grow their value. I believe the best assets are the ones that you can use and the very best is a Home that you can use and live in. Home values in historic areas always seem to escalate nore than average neighborhoods.
Mortgage Opportunity Featuring:
- Easy SECURED On-Line Mortgage Application
- 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.
- Lock and Shop program - You can Lock the interest rate and shop worry-free up to 180 days.
- To help you WIN your offer to purchase, I can close and fund your mortgage in 15 Days.
- 10% Down -No MI Interest Only Jumbo
ADRIAN CITRONI - MORTGAGE BROKER
Primary Service Area: Catonsville & Vicinity
Academy Heights, Arbutus - Halethorpe, Catonsville, College Hills, Dunmore, Elkridge, Ellicott City, Oella, Paradise, Westchester
Paradise, WestchesterLicensed Loan Originator NMLS# 144522; MD - DC - PA - DE - VA - FL - CA
CALL OR TEXT: 410-916-077