BiggerPockets

More About Me and What I Do

Wednesday, January 20

My name is Marc Greenstein and I am a mortgage specialist from Topdot Mortgage. My business is all about relationships and I would love to develop a long-standing one with you as a client.

Topdot is a trusted mortgage bank and I am extremely qualified to help you get the results you desire. I have successfully met all requirements of the SAFE Mortgage Licensing Act, which was recently mandated for all mortgage professionals in order to ensure complete knowledge of loan laws and ethics. I have over 10 years of experience in the Loan and Finance fields, and will apply my extensive knowledge to any and all loans we work on together.

How To Secure a Home Loan/Mortgage While Going Through a Divorce

Wednesday, January 20

Divorce can be a difficult time for everyone involved, but selling your home and buying a new one doesn’t have to be.  My name is Marc Greenstein and I am a mortgage specialist from Topdot Mortgage.  I have many years of experience helping people with their mortgage questions.

Six months ago a client came to me who was going through a divorce.  His credit score had gotten dragged through the mud from the divorce and debt incurred around it, and he was unable to obtain a loan.  Over the next 3 months however, I helped him work on his credit, and he was ultimately eligible for a 30-year fixed rate loan.  His result is not indicative of all loan application processes and outcomes.  The most important part of this process was building a strong relationship with him and constantly keeping in touch in order to make sure he stayed on track with his payments.

There are several ways that you can help your credit.  The most important is staying on track with your payments.  You can also send a letter of hardship to your creditors.  They may offer you solutions so your credit doesn’t continue to decline.  Each creditor is different and may handle the situation differently.  It is important to keep in touch and be honest.  Hiding from the mail and the phone will not make them go away.  I promise.  There are many other ways to improve your credit and ultimately your eligibility for a mortgage.

Need a Mortgage but Have Debt or a Low Credit Score?

Wednesday, December 23

Looking for a mortgage but afraid your credit rating is too low?  Do you think you might not have enough money for a down payment?  Blemishes on your credit history may stop some lenders from giving you a loan.  But the knowledge Topdot acquired over their many years of structuring mortgages allows them to provide mortgages when others can’t.  Let Marc Greenstein of Topdot help.  Marc is experienced in finding the hidden assets you might even realize you have.  He can find the right mortgage for your own needs.  Use Topdot’s home affordability calculator (http://topdot.com/calculators.asp) and get an estimate of a home price that would work within your monthly budget.  Determining your payment will be influenced by how much you put down at closing.  If you are selling your present house, ask your real estate agent for an estimate of its value.  This will help you better determine what type of down payment you’ll be able to put down on a new home

For more information, contact

Stress Free Mortgage!

Wednesday, December 23

Obtaining a mortgage for your new home can be an extremely stress filled and confusing time for most people. Working with Marc Greenstein at Topdot assists by letting you know exactly what will be needed along the way and in making the best choices for your needs. Let Topdot run a credit check and do some paperwork. He’ll work hard reviewing your credit score and develop some mortgage options that meet your needs.

In most mortgages, there’s a trade-off. If you’re looking for a longer term to pay off the loan, this comes with a higher interest rate. No matter what your situation, Marc Greenstein will respond with options that he will walk you through.

For more information, contact

Need a Mortgage Specialist?

Wednesday, December 23

Whether you’re purchasing your first home, building a new home, selling your current home and purchasing another, or buying a vacation or investment property, Marc Greenstein is the mortgage specialist at Topdot to see. He is dedicated to helping you learn what you need to know and guide you every step of the way. Answering questions like "Do you have any down-payment money?" and "How long do you plan on living in the home?" will help determine the type of mortgage that best suites your needs. Any mortgage lender will require your FICO score to determine if you are a "good risk." This credit report looks at a number of factors including:

If you paid your bills on time

Your outstanding debts and loans

Your credit limits

The types of credit you have

This information may prohibit some lenders from giving you a loan. But with Marc’s experience, he will look deep into your individual situation to help find the hidden assets that will get you the loan you need.

For more information, contact