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- Land loans
- Non owner-occupied land
- Non owner-occupied single family
- Owner-occupied land
- Owner-occupied single family
- Specialty loans
Overview
Meet Werdell Kirk, a seasoned independent mortgage broker with over a decade of expertise in navigating the complexities of the mortgage industry. With a comprehensive understanding of all types of mortgage products and client conditions, Werdell has successfully assisted numerous clients in securing their dream homes.
Throughout Werdell's career, a steadfast commitment to providing optimal service has been paramount. By focusing on understanding each client's unique needs and challenges, Werdell delivers tailored solutions that exceed expectations. Whether it's finding the perfect loan for a first-time homebuyer or assisting a client with complex financial situations, Werdell approaches every interaction with professionalism, integrity, and a dedication to client satisfaction.
With Werdell as your trusted advisor, you can rest assured that you're in capable hands. Experience the difference that personalized service and expertise can make in your mortgage journey with [Name] by your side.
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Bridge loans
Cashout refinance loans
Conventional loans (Fannie/Freddie)
FHA / HUD loans
HELOC / Stand-alone 2nd mortgage
Jumbo / super jumbo loans
No cash out refinance loans
Reverse mortgage
Transactional funding
USDA loans
VA loans
2nd position loans
Bridge loans
Cashout refinance
Conventional loans
First position loans
Fix and flip loans
Ground up home construction loans
HELOC / Stand-alone 2nd mortgage
Long term financing (10+ years)
Long-term rental loans
No cash out refinance
Private money loans
Residential equity share mortgage
Residential hard money loans
Value-add rehab loans
Cash-out refinance land loans
Land development loans
Refinance land loans (no cash out)
2nd mortgage equity cash out
Cannabis real estate loans
Condo conversion loans
Business lines of credit
Business real estate loans
Remodeling & construction business loans
Bridge loans
Cashout refinance loans
Conventional commercial loans (Fannie/Freddie)
FHA / HUD loans
Foreclosure assistance (bailout) loans
HELOC / Stand-alone 2nd mortgage
No cash out refinance loans
Transactional funding
USDA loans
2nd position loans
Bankruptcy resolution loans
Bridge loans
Cashout refinance
Commercial hard money loans
Conventional loans
First position loans
HELOC / Stand-alone 2nd mortgage
Long term financing (10+ years)
No cash out refinance
Private money loans
Cash-out refinance land loans
Land development loans
Refinance land loans (no cash out)
2nd mortgage equity cash out
Cannabis real estate loans
Preferred equity financing
Purchase - seller financing, owner financing
Real estate line of credit (portfolio of properties)
Real estate line of credit (single property)
Business lines of credit
Business real estate loans
Remodeling & construction business loans
Cashout refinance
Fannie Mae multifamily loans
Fannie Mae Multifamily Small Loan program
FHA / HUD multifamily loans
Freddie Mac Fixed-rate Multifamily Financing
Freddie Mac Manufactured Housing Resident Owned Community loans
Hard money loans for multifamily
Multifamily bridge loans
Multifamily conventional loans
Land loans
Non owner-occupied land loans
Non owner occupied loans
Owner-occupied land loans
Owner occupied loans
Specialty loans
Mortgage brokers act as intermediaries between borrowers and lenders. They assess your financial situation, provide guidance, and help you find suitable mortgage options from various lenders.
Mortgage brokers offer access to multiple lenders, providing a broader range of loan options tailored to your needs. They also provide personalized advice and handle the complexities of the application process on your behalf. answer to this item.
Mortgage brokers are typically compensated by the lender in the form of a commission or fee for the loans they facilitate. This compensation structure doesn't directly impact borrowers; brokers aim to find the best possible loan for your situation.
Commonly required documents include proof of income, employment verification, bank statements, identification, and details of any assets or liabilities. Your broker will provide a detailed checklist to ensure a smooth application process.
When you apply for a mortgage, lenders perform a credit check, which can temporarily impact your score. However, multiple credit inquiries within a short period for mortgage shopping are often treated as a single inquiry to minimize the impact.
Yes, mortgage brokers work with borrowers with various credit backgrounds. They can explore different lenders and loan products suitable for individuals with less-than-perfect credit scores.
The timeline varies, but on average, the process from application to closing can take around 30 to 45 days. Delays may occur due to factors such as property appraisals, document verification, or lender processing times.
Yes, there are various types of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and more. Your broker will help you understand each option and find the most suitable one for you.
Absolutely. Mortgage brokers can assist you in obtaining pre-approval, which involves a preliminary assessment of your finances and creditworthiness to determine the loan amount for which you qualify.
Costs may include lender fees, origination fees, appraisal fees, closing costs, and more. Your broker will provide a breakdown of all associated costs upfront to ensure transparency throughout the process.