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Loan Officer

NMLS # 2357056

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Refinance
Purchase
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The Mindset Difference
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Having a background in both education and sales, Jamie found the perfect marriage of her talents-mortgage lending. Mortgage lending allows her to continue educating and helping others, just as she did in the classroom. When working with Jamie you aren’t just another client blindly moving through the mortgage process; she will make sure that you are well educated each step of the way. Jamie has the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property. Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, Jamie, along with Mindset Mortgage, can help you before you ever make an offer on a property. Jamie can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic.

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Refinance

A Mortgage Refinance is when you finance a new mortgage with new terms and use the new loan to pay off your existing mortgage balance. 

Refinancing is when you secure a mortgage with new terms and use the new loan to pay off your existing mortgage balance. When you refinance the mortgage on your house, you’re essentially trading in your current mortgage for a newer one, often with a new principal and a different interest rate. Your lender then uses the newer mortgage to pay off the old one, so you’re left with just one loan and one monthly payment. The refinancing process is often less complicated than the home buying process, although it includes many of the same steps. It can be hard to predict how long your refinance will take, but the typical timeline is 30 to 45 days.

Purchase

Purchasing a home is one of the most important decisions you’ll make, and the right advice and guidance is paramount. Experience and expertise matter and they can make a significant difference in making sure that you not only find the right house, but that you also pay the best price.

I not only have a thorough understanding of the marketplace but I also have access to many properties that are off-market 

and an awareness of properties that are about to be listed. Most importantly, I’m keenly aware of the nuances that determine value and I am discerning as to construction quality, materials, and craftsmanship.   I will listen to your needs and find you the perfect home and I will make sure that you make an educated and informed decision. Once you choose a property I will represent your interest vociferously throughout the purchase process, negotiating the best possible purchase price, managing and advocating for you during inspections, escrow, title, and closing. I will also advise you on how to make the house even better, including furniture and design, and possibly remodel ideas and augmentations where beneficial.

Seller

Choosing the correct real estate agent to sell your home is one of the most important decisions you’ll make. It can be the difference between your home sitting on the market for months or selling quickly, for hundreds of thousands if not millions of dollars more. Your home is a very personal, important, and valuable asset, and it can be an emotional and complicated endeavor to sell it, especially in today’s challenging marketplace.

Numerous questions and concerns will need to be addressed, and the advice and consultation that you receive can make a tremendous difference in the results. Marketing and advertising, remodeling and/or upgrading, photography, internet exposure, staging, design, floor-plan measurements, videography, timing and presentation, inspections, pre-market exposure, agent outreach and relationships, open houses, pricing, and dozens more nuances and subtleties all make up the difference between failure and a successful sale.