🚀 go-pugleaf

Bayporte Financial
Mill Valley, California

 I'm a mortgage broker and my philosophy is:

EVERYBODY IN AMERICA  DESERVES THEIR OWN HOME.

There are years of recession behind us. Much damage has been 
done to peoples credit. The mortgage market knows this and has 
adjusted accordingly. 

With knowledgeable help it is possible to navigate the ocean of loan
products and avoid the obstacles.

For starters, your creditors don't gain by reporting unfavorably about you. 
hey are often willing to give you the benefit of the doubt. Each time you
improve an account  rating you are maneuvering toward a lower rate.

Here is an example of what I mean. Recently a client came to me with 
30, 60 & 90 day lates listed on some accounts. He had gone through 
a difficult period of re-adjustment  after marrying a woman with 4 children.
Following a Christmas with his new family he had fallen behind.
It took several months to double up on payments to catch up. While he
made payments lates were recorded from the original late date. These are
referred to as "rolling lates".

After some discussion he was left with only two 30 day lates. The lender
didn't even care. They just wanted an explanation letter in the file.

I got that particular family a six bedroom house in San Francisco. During 
the escrow the wife had her sixth child. Yes, I know, now they need one 
more bedroom.

I don't clean up credit for a living but I'll work with you to get a home
loan with affordable payments. Send me a brief description of what 
you want to do, purchase, re-fi etc. and let me know what obstacles
we will need to overcome.

I look forward to working with you.

Sincerely,

Carmine Pascucci
Senior Loan Officer