Deborah Garvin

Financing a home purchase in today's market requires patience, tenacity and perseverance...but more than anything else Real Estate Professionals and consumers need the confidence to know their Mortgage Professional truly understands lending guidelines and standards. During the past twenty years I have had the opportunity to help many consumers buy their first home through HUD certified Home Buyer Courses and have given me the expertise to understand the "How" of putting a loan package together versus knowing the "What" documents are needed. Preparing a loan package for submission to underwriting in today's restrictive environment requires finesse and a thorough knowledge of investor guidelines. Over ten years of wholesale lending experience, including training and production ensure that my clients and their agents understand the mortgage process from the beginning through the closing of the transaction.

Specializing in all types of residential financing, with a particular empathsis on the FHA 203K Renovation Loan. Extensive background in construction and finance allows me to help both borrowers and real estate agents benefit from this innovative product. With among the lowest lender fees in the industry, I also excel at FHA, VA, Conforming, Jumbo, USDA....need mortgage financing? Call me for expertise and excellence!

Contributions to Lender411

Blogs Loan Programs: Hiring a Contractor? Hiring a Lender May Make More Sense Sep 3rd 2011 Home Purchase: My client is preapproved! .............or NOT! Aug 24th 2011 FHA Loans: FHA 203K Facts, Fiction and Full Blown Myths. Aug 22nd 2011 more... Answered Questions Lender411.com: My lender is pulling my credit again is that normal? Oct 24th 2011 Lender411.com: My lender is pulling my credit again is that normal? Oct 24th 2011 Lender411.com: What does maternity leave do to qualifying for a mortgage? Oct 14th 2011 Lender411.com: Refinancing a loan and apply for a new loan at the same t… Oct 17th 2011 Lender411.com: Can we get a loan now? Oct 12th 2011 more... Contacted consumers with following loan scenarios California, Home Purchase, Good Credit, Amount: $500,000, LTV 79% Aug 22nd 2011 California, Home Purchase, Excellent Credit, Amount: $760,000, LTV 80% Aug 22nd 2011