Just finished up another contract underwriting job with PennyMac and I have to say it was very refreshing when I would hear the manager say, "We can not do this file because that is setting up the borrower to fail."  Our job was actually to re-underwrite files to make sure they met the guidelines of the end investor, be it Fannie, Freddie, FHA, VA or USDA. We were not working for the borrower or for the lender but yet to hear that they actually look at the loans as what is in the best interest of the borrower was absolutely refreshing. I would recommend Penny Mac to anyone. And I do not say that very often.

My husband and I decided for me to not go back under contract at this point and focus on my consulting side of the business for attorney's and Lighthouse Financial Ministries and do freelance work consulting. I am excited to be able to solely focus on this part of my career and I am considering going back into the origination side at some point in the future. If you have had a foreclosure and are considering what your options are in purchasing a new home or have had other concerns whether or not you can get financed or perhaps facing foreclosure or an unaffordable mortgage we can set down and create a game plan.

****I am not an attorney, nor do I give legal advise*** I am not a mortgage consultant, nor do I sell loans in any manner***** I do however know good and bad ones and can give you a list of options for you to meet with.