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WHAT DO YOU DO?

I am a Vice President/ Mortgage Banker for GuardHill Financial. We are one of the leading mortgage banking/brokerage firms in the United States. I specialize in providing residential financing for clients who are purchasing real estate and for clients who need to refinance their mortgages.

TELL US ABOUT YOUR BUSINESS.

I have been in the mortgage industry servicing thousands of clients for the last 12 years. The majority of mys business is derived from referrals from Real Esate professionals: (Brokers and attorneys), Wealth Coaches, Certified Public Accountants and mainly my past clients

THE BIGGEST CHALLENGE YOU FACE IN BUSINESS?

The biggest challenge is the tightening of the credit markets. many programs that enabled people to purchase homes have been eliminated. Next is the fact that in these economic times, unemployment is high and consumer confidence is low. many people would love to pursue home ownership but are concerned over their job security.

WORDS OF ADVICE?

The main thing to obtain financing is to have strong credit history. it is so important to be cognizant of your debts and to make sure they are paid in a timely fashion. Credit is king.
Don't bite off more than you can chew!!