With over 27 years of experience in the mortgage industry Margaret knows what “service” means to this industry and how to deliver it in a timely manner. You will get a complete and confidential review of credit, debt, and income ensuring your comfort level with financing decisions and the mortgage you can afford. She focuses on your wants, needs, and desires and tailors the best loan for you and your needs. She provides extensive “hands on” attention to detail from initial consultation to loan closing.
Margaret has comprehensive training in Conventional, Jumbo, FHA, USDA, as well as VA Financing, and participates in ongoing training in underwriting, appraising, credit analysis, and the self-employed borrower. Closing Disclosures are closely reviewed prior to closing to ensure accuracy of all documents.
Excellence and professionalism are the mission of Margaret and Community Lenders Group!
Why You Should Use a Mortgage Broker
A professional mortgage broker is trained to assist a consumer in obtaining the best real estate loan available according to a particular consumer’s needs. Mortgage brokers are not tied to one source of funding, but are able to obtain funds from a wide variety of investors who offer hundreds of loan programs.
Because each of these investors establishes his or her own criteria for credit, property and income, a mortgage broker can almost always match a borrower’s needs with a program to suit those needs.
Who Should Use A Mortgage Broker? Since mortgage brokers arrange real estate secured loans, any current or prospective real estate owner can utilize their services. A mortgage broker can often save a borrower a great deal of time and effort by shopping the lending market for the loan program which is right for the borrower. When using a mortgage broker, a borrower makes just one loan application rather than applying more than once at various other lending institutions. A loan request made through a mortgage broker is then fully processed in the shortest amount of time possible.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154