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Let's face it...the mortgage lending process can be confusing and intimidating. Having a knowledgeable mortgage professional as your advocate who will take the time to properly explain everything to you and guide you through the lending process makes all the difference in the world. I take great pride in being honest and up front as well as treating my clients with respect because ultimately, as the customer, you have many options as to where you take your business.

I've been working in real estate and lending since 2008 and my formal education is in business and economics. I'm a mortgage professional for Ikon Financial Group here in beautiful South Carolina and we are not a bank but rather a mortgage brokering business, and as such I can provide you with the advantage of placing your loan with any of the 39 different lenders we work with to ensure that you get the best deal possible. I can provide any type of loan: Conventional, Refinance, FHA, VA, USDA, Reverse Mortgages, ARMs and more, so call me today and let's discuss your situation and find the right solution for you. Remember this...saving money is the same as making money.

Travis Torcoletti (803) 381-5149


The FHA, faced with continuing and mounting losses, is set to issue a financial analysis next week and it's not looking good. They are very likely going to have to draw money from the US Treasury for the first time in...
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The question most asked when it comes to making a home purchase is, what kind of down payment should I make? 5%, 10% 20%? And the answer is...it depends. I know that really isn't an answer but the truth is that...
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Lately we've been hearing all this talk of the Fed's desire to "stimulate the economy" via QE3 but what is it and how is this (or is this even) going to help the economy? QE stands for "Quantitative Easing" and this...
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On-line peer to peer lending is nothing new, most people have heard of sites like prosper.com and more recently Kiva.com that exist as a market place to link people who have money with those who needed it. These types of...
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Are you familiar with the term "Shadow REO" inventory? If not, don't feel bad because it doesn't get talked about a whole lot and unless you are in real estate then you probably haven't heard the term before....
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When the Home Affordable Refinance Program (HARP) was initiated back in 2009, the goal was to stimulate the economy and reduce defaults by lowering mortgage payments in households with high LTV mortgages, i.e. those who...
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Increasingly, FHA-insured loans are falling into foreclosure or serious delinquency, moving in the opposite direction of loans guaranteed by Fannie Mae and Freddie Mac or those held by banks, which are all showing signs of...
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Back in April of this year HUD implemented a new credit rule requiring that all collections and or disputed accounts over $1,000 (including medical bills) be satisfied prior to being eligible for a new FHA loan. Well, the...
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