Meet Bruce Jaques
Loan Advisor
Loan Advisor
Client Wins
★#LendUSWins
Their Own Home for the Holidays
I first talked with my clients back in June. They were living with their in-laws and had no credit which limited them in making a home purchase. I advised them on how to build a credit profile and four months later they we were able to obtain a credit score, which then enabled them to start looking at homes! Since they were short of funds, I explained FHA financing as a great first-time home-buyer option, and also recommended an offer on the home in which the seller would pay the closing costs, helping them further. With an offer accepted and a closing date in December, our clients will have a very special holiday in their very own home.
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Solving Difficult Problems
My client had tried to refinance numerous times and her loan was rejected by 5 other lenders. When we looked at her income as a self employed tax accountant, her debt to income was over 75%. Our company is known for solving difficult problems when other lenders have turned people away and we did just that. In this case we switched her loan due to her low income and combined a few other resources to get her debt to income ratio down to 49.879%. We researched every possible solution to solve this one!!! When all was said and done, we saved her $3170/mo.
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Helping with Sound Advice
Most recently, I reached out to my client of over 15yrs. who was despondent! She had accumulated a lot of credit cards and her ARM had been reset. Her and her husband make a decent living but close to half of their monthly payments are going to their credit cards and a 1st & 2nd mortgage on their home. We took that amount down by 1/3 by helping her refinance. The most important lesson I took from it was that there are a lot of borrowers out there who simply pay their bills and don’t even consider refinancing because its too overwhelming. As a Loan Advisor, I realized that we have to reach out to provide education as we truly make a difference in our client’s lives.
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Achieving a Lifelong Goal
We had a client close this week who was a woman in her mid-50s with a daughter who was disabled. Our client hadn’t purchased a home previously and we were able to connect her with a special government grant. Soon after, she brought us the rendering to her new home which was so impactful to see and share. Moments like this take the numbers off of the page and humanizes the process. It reminds us why it is we do what we do. We help people achieve a lifelong goal of homeownership.
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Feeling Proud
I was in the process of refinancing a loan for a young woman who had come upon especially hard times. She had a disability that forced her into a fixed income, her aging father was struggling with cancer and within the next few years she would be losing child-support that contributed to her household income. After crunching some numbers, I found that she would be saving almost $350 per month by refinancing. This young woman’s father then confided in me that he was proud of her but worried about her home when he wasn’t around, so we helped put together a gift from him for $50,000 to buydown her loan further. His 16 year old granddaughter has a 4.6 GPA, and he expressed how proud he was of her too. Needless to say when his daughter found out what her father did she was beyond words and in tears. Her dad was happy that he could do something now and know she was OK when he left this world. Something all parents hope for. This is the kind of thing that makes me proud to be doing what I do.
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Easier Than I Could Have Imagined
Being a first-time home buyer at 22 years old and working about 65hrs a week, I was SO flustered going into the home buying process. After all the stories I’ve heard from my peers about their first-time buying a home, I was so relieved to work with the most amazing Loan Advisor. She honestly made this whole situation so much easier for me than I could have imagined. She was incredibly helpful with every concern and question I had throughout the entire process, and was extremely knowledgeable about every aspect. I hope that I don’t have to buy another home anytime soon, but I can whole-heartedly say if I ever do, I know exactly who to call!!! Huge shoutout to my Loan Advisor and her company. I appreciate all of the help that was provided to me.
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Bruce Jaques
bjaques@lend.us - Emailhttps://www.lend.us/bjaques - Web866.739.9599 x 2150 - Phone978.349.2658 - Mobile978.863.7212 - Fax
11Newbury Drive
Atkinson, NH 03811