mortgage...residential mortgage loan originator. laura credits her success on building relationships...

SPONSOR MFS, NMLS ID 43021 | 2001 LAKESIDE PARKWAY, FLOWER MOUND, TX 75028 Mortgage Financial Services, LLC is an Equal Housing Lender. NMLS 43021 (www.DreamLending.com) l 817-601-9010 Interest rates and products are subject to

change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

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SPONSOR MFS, NMLS ID 43021 | 2001 LAKESIDE PARKWAY, FLOWER MOUND, TX 75028Mortgage Financial Services, LLC is an Equal Housing Lender. NMLS 43021 (www.mortgagefi nancial.com) l 817-601-9010. Interest rates and products are subject to change without notice

and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

MORTGAGEFINANCIAL SERVICES

Jesse WildeResidential Mortgage Loan Originator - NMLS ID 357100 19707 IH10 West, Suite 301, San Antonio, Texas 78256

c: [email protected] - jwilde.dreamlending.com

Laura DeirRMLO NMLS 228498301 W San Antonio StSuite 200New Braunfels, TX 78130o: (830) 632.2258c: (210) 573.4296 [email protected]

Kyle SuerRMLO NMLS 1857750301 W San Antonio StSuite 200New Braunfels, TX 78130o: (830) 632.2258c: (210) 237.7465 [email protected]

MEET THEDEIR TEAM!

Laura has been in the finance industry for over 20 years as a Credit Manager, Underwriter and the last 15+ years as a Residential Mortgage Loan Originator. Laura credits her success on building relationships and providing top notch customer service. Laura is a multi-year winner of the Texas Monthly 5 Start Mortgage Professional in Texas, an honor given out to the top 1% of loan originators in Texas.

In addition to being a licensed Residential Mortgage Loan Originator, Tim serves several roles within the Deir Team from Branch Manager to Processing to Recruiter. With over 15 years in the mortgage industry he oversees the overall branch production and tracks all loans from application through close to ensure that we meet our client and referral partners expectations.

Whether you’re a first time buyer or seasoned home buying pro, Kyle’s goal will always be the same; he is focused on getting to know you and your goals so that you can see the best financing options for your new home. He enjoys assembling the puzzle pieces together to get you a great mortgage AND have a great experience.

Laura DeirTEAM LEAD | RMLO NMLS 228498c: (210) 573.4296 | o: (830) [email protected] | LauraDeir.com

Tim DeirBRANCH MGR | RMLO NMLS 916836c: (830) 507.3474 | o: (830) [email protected] | LauraDeir.com

Kyle SuerRMLO NMLS 1857750c: (210) 237.7465 | o: (830) [email protected] | Kylesuer.com



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SERVINGTHE GREAT

STATE OFThe Deir Team is dedicated to serving our clients and that is our main focus. Let us walk you through the mortgage process using our experience, integrity and determination to work for you and your family.

3 0 1 W S A N A N T O N I O S T, S U I T E 2 0 0 , N E W B R A U N F E L S , T X 7 8 1 3 0

Valerie Avila Lead Processoro: (817) 601.9010f: (210) [email protected]

Valerie works closely with underwriters, loan officers and closers to ensure the smoothest process possible. She is familiar with underwriting guidelines and can pinpoint possible hurdles early in the process to reduce last minute stresses.

Ryan Edwards Junior Loan Originator RMLO NMLS 1533460c: (210) 573.4296o: (830) [email protected]

Team’s Junior Loan officer and licensed RMLO.Ryan works with Laura to serve clients from the time they apply to the time they go under contract. This includes everything from analyzing applications and assisting with estimates, to gathering client documents and periodic service calls.



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SPONSOR MFS, NMLS ID 43021 | 2001 LAKESIDE PARKWAY, FLOWER MOUND, TX 75028Mortgage Financial Services, LLC is an Equal Housing Lender. NMLS 43021 (www.mortgagefi nancial.com) l 817-601-9010. Interest rates and products are subject to change without notice

and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

c: 210-488-4366 - [email protected] - jwilde.dreamlending.com

MORTGAGEFINANCIAL SERVICES

• Assembles package for closing date• Prepares closing disclosure and emails it to Processor/Loan Offi cer/Title

Agent for review• Loan Offi cer/Processor contacts customer to review the settlement

fi gures and cash for closing• Emails closing disclosure to all parties 72 hours before closing• Sends fi le to attorney to draw docs• Sends docs to title for closing• Orders net wire• Funds loan with title company if all conditions to approval have been met

CLOSER

• Gathers items necessary for loan• Pre-underwrites and prepares loan for approval• Works with all parties

PROCESSOR

• Renders fi nal decision on loan• Requests additional documentation if needed• Works with loan offi cer and processor to approve loan

UNDERWRITER

• Takes place at title company or attorney’s offi ce

CLOSING

• Discusses qualifying, monthly payments, and cash needed for closing• Explains various loan programs available and quotes interest rates• Assists in completing the loan application• Leads the team to ensure excellent customer services and closing

deadlines

LOAN OFFICER

• Contacts loan offi cer for fi nancing information• Gathers information needed for application• Starts looking for a new home

PURCHASER

LOAN PROCESSSUMMARY

LOAN PROCESSS U M M A R Y



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LOAN PROGRAM COMPARISON

CONVENTIONAL

FHA

RURAL DEVELOPMENT

VA

● Minimum 3% down payment● Minimum 620 credit score● Down payment can be gifted● Non-occupying co-borrower allowed

● Minimum 3.5% down payment● Minimum 580 credit score● Down payment can be gifted● More lenient credit score and underwriting guidelines than conventional loan

● 100% Financing● Lower monthly MI than conventional or FHA● MI is for the life of the loan● Household income limits apply

● 100% Financing● No monthly MI● Minimum 580 credit score● More lenient credit score and underwriting guidelines than conventional loan

● MI may be dropped after 20% equity is gained● Subordinate financing allowed● Maximum loan amount is $484,350.● Primary, second home and investment allowed

● Non-occupying co-borrower allowed● Monthly MI typically higher than conventional● Maximum loan amount varies by county● Must be primary residence

● Home must be located in RD eligible area● Must be primary residence● Non-occupying co-borrower allowed

● No origination / discount fee● Must be primary residence

*updated 02/2018

mortgage...residential mortgage loan originator. laura credits her success on building relationships...

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