• Ask about our bank statement program which eliminates the use of tax returns and we just use the deposits in your bank account to calculate income.
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Bank Statement Program Explained

This program is designed to provide mortgage credit to well qualified self-employed borrowers earning monthly income that is more clearly documented through alternative income documentation. As a result, the Ability-to-Repay income and employment factors...

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Meet Johnny Quinn

There is so much to say about this individual. It was a bright and sunny day when Johnny called us in 2007 and said, "I was referred to you by a bank executive to consider me as a Loan Officer with your company", and the rest is history.“ My role here at...

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What You Should Know About Falling Interest Rates

Real estate does have the one added advantage over other financial assets: it generally holds its value well during inflationary times. So real estate is always an excellent asset. Generally, real estate tends to retain its value during inflationary times,...

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Jumbo mortgages with flexible underwriting

Conforming loans meeting the lending limitations set by Fannie Mae, Freddie Mac and other government-backed organizations may not be right for every borrower. At MortgageDepot, we understand how borrowers, particularly those shopping for single-family...

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Meet Irina Olivieri, Loan Processor

Irina joined our team in early 2017 and has since grown into a top non-conforming loan processor. Irina is a quick learner and is eager to take on new challenges in her position. We are grateful to have Irina as a part of our MortgageDepot family. Here's a...

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Super Conforming

We are committed to helping each of our valued clients set up an affordable loan, but we understand that some of our clients have had trouble finding a loan program that is suitable for their needs. Some lenders and brokers only work with standard loan programs, and...

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Mortgage Depot Welcomes Eddie Kaziyev To Our Team

I’m Eddie Kaziyev, and I began my career in the Mortgage and Real Estate industry in 2004. Throughout my career, I’ve developed expertise in securing financing for coops and condominiums ultimately led me to work at JP Morgan Chase as a manager in the...

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Mortgage Depot Welcomes Cindy Chen To Our Team

Yanyue “Cindy” Chen began her career in real estate five years ago. As a mortgage loan specialist, her primary focus is securing specialized financing options that suit her clients personal home goals and needs.Are you a first time home buyer in need of a...

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What are Closing Costs

CLOSING COSTS are fees that are earned before closing but are payable at or before closing and fees that are required to be paid at closing to complete the loan transaction. These fees are itemized and estimated for you on the “Good-Faith-Estimate” now known as the...

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LPMI -Lender Paid Mortgage Insurance

Mortgage insurance, or PMI, is typically required on residential mortgage loans with greater than 80 percent loan-to-value on the first lien. The purpose of PMI is essential to protect the lender in the event you default on the mortgage, and it is required...

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New construction extended rate locks

Build with confidence You as a customer benefit from locked in rates We help our customers gain peace of mind in a changing market with the Extended Rate Lock program. You can lock down a range of interest rates with a required, non-refundable extended rate lock fee....

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