Thereferralsgroup.com



-13335016065500Julie BakerMortgage Loan OriginatorFifth Third Bank Kentucky3600 Walden Drive | Lexington, KY | 40517?859 272 1209?|?julie.baker@Mobile Number:?+1 859 489 8564?| NMLS# 444541About Me-married to Dan since 1995. Works for Home Depot. -Megan, daughter at UK and a son Luke who is at Tates Creek High School. -from Winchester, KY-Been a mortgage lender since 2002. Hobbies: I love to walk, read good mystery books, I’m also a violinist with the Lexington Philharmonic. I’ve doing that since I was 18! Goals-Close 140 units/year. I’m on track to do that this year! - I love working with 1st time home buyers as well as the seasoned veteran. This year I’ve closed loans for $15,000 all the way up to $700,000. Referral SourcesRealtors?????????Past Clients ?????????Divorce AttorneysBankersCPAs?Area:?Kentucky?How I do business:??????????Clear, prompt, and consistent communication with all parties.??????????Keep the process simple, educate my clients, and make them feel comfortable.?????????Open availability.? Clients and partners need to talk on evenings and weekends.M.D. only loan purchase/refinance program-Great program for new doctors in residency or established doctors. - 0% down up to $650,000. -90% financing up to $1,000,000. -we do this for UK residents! -can’t be used for dentists.Client Stories2 Physicians-mid 30’sScenario -New construction. Building a house. -Didn’t seriously shop anyone else because they bank at 5/3 already and love us! Loan info: $700,000 loan, 30 year term, 3.25% rate. 1ST Time home buyersScenario? -newly married, self-employed, new baby. 620 credit score-Had to get father to co-sign. He was also self-employed with 3 jobs! -was declined at one point, but one of higher ups in underwriter found a loophole in FHA guidelines to get it closed. We got them a house for their family that they can afford. We didn’t give up! Referral from a realtorScenario: The realtor always referred to Guardian Savings Bank because of their no closing cost option. -We offer no closing cost or low closing cost options especially for borrowers with higher credit scores and larger loan amounts. We can build it into the rate. -We used lender paid PMI. We did a loan with no PMI. -This can be advantageous for those with a higher credit score who knows that they’ll be here 5 years and then upgrading to a bigger house.This realtor now sends their buyers to me!5/3 Down Payment Assistance Scenario: -giving away for $3600 for lower income borrowers. -Need to have good credit & make less than $34,000. -great retirees, new graduates, renters, Amazon or Kroger employees. LoansFHA-UFMIP & Monthly PMI(Not Removable)-3.5% Down-Better for lower credit scores/higher DTI-credit score can be as low as 600 with compensating factorsConventional-No UFMIP & Removable Monthly PMI3% Down-Max 45% DTIVA-Funding Fee-No Money Down & No Monthly PMIUSDA-UFMIP & Monthly Removable PMI-Income Limits & Area Restrictions-No Money Down ................
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