Forty years of writing home loans, which means she has already seen the version of your situation that you think is unusual.
Sr. Mortgage Specialist, Peoples Mortgage
Judi has been doing home loans for forty years. She wrote loans on Folsom houses when they cost a hundred and fifty thousand dollars, and many of those same houses are worth seven hundred thousand or more today. The families who bought them made the payment every month and fixed the roof, and then time went to work on top of all that.
That is the part her clients children are locked out of, and it is why she spends most of her day now on structure rather than rate. A gift, a loan, a buydown, and a co-signature are four very different things to an underwriter, and picking the wrong one costs a family the house.
She describes her own job as problem solving, which in lending usually means finding the combination that works for one specific buyer rather than the one that works on average.
One hour, free, in Folsom. Judi takes questions from the room, and answers anything we do not get to by email within two days.