Happy Face First Time Home Buyer

About Joe Harvey MortgageJoe's Blog

In seventeen year as a Mortgage Professional many things have changed. However, many have remained the same. Today’s exhaustive documentation and underwriting requirements (which are only short of a full cavity search) required of loan applicants since the “Mortgage Meltdown” & Bursting of “The Housing Bubble” are essentially the same requirements when I began my mortgage career in 1995. Overtime technology has improved the speed of mortgage application and approval process (in 1995 it took up to a week to obtain a credit report) , but all in all the loan application/approval process has returned to the basic tenants of making sound lending decisions to applicants that actually can repay their loans. What hasn’t changed over the years, most persons or families aspire to own a home to call their own, make changes as they see fit, overtime gain equity, protect their investment and one day hopefully pay-off their loan before reaching retirement. What I can offer as your Mortgage Professional is my experience, honesty, depth of knowledge of loan programs based on individual circumstances whether Purchasing or Refinancing. Licensed in Minnesota and Wisconsin. Planning to purchase a home and have experienced a financial hardship in the past? First, it is not your fault. Second, I can help if you are willing to follow a plan, and be an active participant in your financial recovery. There is no magic pill or wand to wave; it will take some time (generally three months to a year), but time will pass regardless of action or inaction.