I needed to close in 30 days, but you exceeded my expectations and brought me home in half the time!
Already in contract and ready to move to a new neighborhood, our client and his family were referred to us to assist with their home financing. School was already in session and our buyer needed to close on his new home within 30 days to make the enrollment cutoff. Understanding the need for speed, we quickly reviewed his financials and packaged his loan to our underwriter a day after meeting. His previous lending experiences had taken at least 45 days, so when we told him we were on track to close in 15 days, he was in disbelief. By exceeding expectations and closing ahead of our deadline, we made sure our buyer and his family were settled in their home in plenty of time to get the children ready for their new school.
Your team’s creative thinking helped me grow my investment portfolio
A longtime client of ours came back to purchase yet another property for her growing investment portfolio. Though she had the cash available from an equity line on her primary residence, she wanted to preserve those funds for necessary repairs on the new purchase. But, because she had purchased and renovated multiple investment homes the year prior and hadn’t yet collected enough rental income, her debt-to-income ratio was too high. Working closely with our in-house underwriter, we were able to use the renovation invoices to lower her debt, show positive cash flow and qualify her for the loan. She didn’t have to touch her equity line for the down payment and is now happily working on her newest renovation project.
Advance Approval® not only helped me beat out several other offers, but it let me close in only nine days
A client came to us wanting to stop paying rent, plant roots in his community and buy his first home. We laid out a game plan that included Advance Approval®, our program for full underwriting pre-approval that allows buyers to close quickly. After a month of searching, he found the home he wanted but was up against two challenges. First, it was priced close to the FHA county limit so to get the loan, he needed a 10% down payment. Fortunately, his brother stepped up and helped him with a gift. But he was also up against several other offers. So we called the listing agent to explain how, with Advance Approval®, we could close in as little as 21 days. That did the trick. Our client’s offer was accepted and our in-house underwriting team jumped through every hoop imaginable to close in only nine days!
We had been under contract with a new home builder for three months when we got a call that completely blindsided us
When our clients called us for a second opinion, we learned that they were a month away from moving their family across the state and into a newly built home. They had been pre-approved by the builder’s preferred lender months earlier and, without indication of a potential issue, their loan was denied without explanation. Once we started looking into it we were able to identify the problem, but recognized that the family had several alternative options. They decided that getting a co-signer on the loan would work best for them, so we moved forward and were able to close the deal as scheduled. Between the stress of moving and starting their three daughters in a new school, our clients were relieved to still be able to move in to their home on time.
Thank you for finding a way for me and my daughter to stay in our home after my divorce.
A client was referred to us by her attorney because she was going through a lengthy divorce with many moving parts. The court had given her 90 days to either sell her family home or refinance and remove her husband from the loan. Knowing she had nowhere to go if she were to sell, her only option was to do a cash-out refi. But she was a stay-at-home mom and hadn’t been receiving alimony long enough to use it as income to qualify. With only days to spare, we found that by adding a non-occupant co-borrower and using the last six months of mortgage payments for the home to boost her income, we could get her qualified. In the end, our client was able to satisfy the court, pay off some high interest debt and, most importantly, stay in her home.
We were grateful for your expertise when a single missing document nearly cost us the purchase of our dream fixer-upper.
Our clients found a perfect HUD-owned property in need of repair and planned to use an FHA 203k loan to cover their mortgage and the cost of renovations. But, once we started digging into the home’s history, we learned that the previous owner had not received a certificate of occupancy, a requirement for our clients to be able to use the loan they wanted. They needed to either choose a different type of loan that didn’t work as well for them, or walk away from the deal. We got our in-house team of experts involved and negotiated a certification that replaced the certificate of occupancy. The city and FHA approved – giving our clients the green light. They got the home and are now busy getting it ready to move in.
Michelle was wonderful to work with! She helped us finance our first home and provided a fabulous balance of urgency and grace as she helped us move along in the process. She got us prequalified in just 3 days! Also, we wanted so badly to close early and she helped us close 4 full days early, which was a huge blessing to us!! I would highly recommend her!Tara ELomita, CA
I'm so glad my realtor hooked me up with Michelle! She knows her stuff! Her response times were impressive and she made sure everything went through without a glitch. She's professional but her demeanor is warm, genuine and inviting. This goes for the staff as well. If I ever make another move, I wouldn't hesitate to call Michelle!Cori MIndio, CA
My wife and I had an amazing experience financing our mortgage through Michelle and her team at RPM mortgage. My wife and I choose to place an offer on a home two weeks prior to our wedding, meaning we would be rushing the initial paperwork prior to leaving the country for our honeymoon. Michelle and her team committed to supporting our decision and ensured all the paperwork was ready on schedule and per the agreed upon commitment dates. Michelle even sent us update videos while we were away so we could check in on the progress of our approvals at our own discretion. She went above and beyond to make a very difficult process seem easy and worry free. I would recommend utilizing her team, as I will on all of my future real estate transactions.David ZLos Angeles, CA
Very helpful and process was very quick! Was working with another bank and their customer service was horrible and they even said "might not happened" and was referred to Michelle and they MADE IT HAPPEN.Tony FLos Angeles, CA
We had a picky loan underwriter, but MIchelle explained things to us over the phone, then walked us through the paperwork that needed to be done to make the bank's picky loan underwriter happy.Ian MLos Angeles, CA
Michelle and Katie helped me through a mortgage refinance. The process was smooth and easy. They are both very knowledgeable and accommodating. They even sent a traveling notary to me when I was out of state to ensure that my loan closed on time. Top notch customer service would be an understatement. Thank you both for making the process an easy one.Anthony MManhattan Beach, CA
Michelle and her assistant Katie are knowledgeable, organized, professional and personable. There were no surprises and both were always available whenever I had questions and patiently and thoroughly answered them. The RPM portal was easy to work with and the entire experience was clear and linear. I would make the same choice to work with them again.Lauren KLomita, CA
My transaction was difficult to say the least due to the complexity of file. I have many LLC's, international properties, etc. Michelle helped me get to the finish line with the rate I wanted and was very helpful in guiding me there. I would highly recommend working with her and RPM.David PHermosa Beach, CA
Michelle helped us through almost two full mortgage processes as the first house fell through late in the game. Extremely helpful and responsive, she provided clarity in an otherwise opaque world of mortgage underwriting. If the close goes smoothly, this will have been a hiccup-free underwriting from start to finish, largely due to her help.Ryan HTorrance, CA
405 Via Chico #3
Palos Verdes Estates, CA 90274