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Raleigh Mortgage Blog- Jim Enright

Pay Less and Save More

By Jim Enright | Mortgage Broker
or Lender in Chapel Hill, NC

About Your NC Mortgage Loan Approval

This page will be the ongoing story of what works and doesn’t work during the mortgage loan approval process.

Borrower errors, attorney errors, realtor errors, and yes, even lender
errors.  Mine. I prefer to call them lessons, as the education never stops.

I’m beginning this series with a very important video, especially for borrowers
who feel safety and comfort working with BIG banks.

It is titled “Do you know where your home loan is approved?”

Chase Mortgage Rates Raleigh, NC 27619

Hi. It’s Jim Enright with Corporate Investors Mortgage Group and I have a question for you. Have you ever considered where your loans are approved?

If you’re a consumer, if you’re a real estate agent or if you’re a financial planner, this is really really critical; and it’s a question you should ask.

So, you know, for instance a lot of vendors and big banks will say, hey we’re a virtual company and even though our underwriters are in Des Moines or Dallas or Jacksonville, Florida, it’s just like they’re—it’s just like they’re right here in my office…

And if you believe that well you’ll believe anything. But when I say that our underwriters in that we approve loans locally let me show you what I mean. Let’s go on over here.

So we’re going to go just right over here and I want to bring you into this office over here and I want you to meet Quentin Mallard.


Quentin is one of our ace underwriters.


Ace underwriters. Gets our loans approved, answers questions and is fantastic. Now Quentin, I have a question for you. Now since this on video, are you an underwriter in real life or just on the Internet?

Very real life.

Okay. Alright. And in case this video is going to be audited at some point for quality control. You know how important quality control is.


How do we document that you are actually an underwriter?

Well lots of papers here. Files all over and I’ve been doing this about ten years.
BB&T Mortgage Raleigh, NC 27614.

And you’ve got a stack—

More paper back here so. Two computers.

Exactly. So I would say there could be some substantial evidence here to—what do you call that type of evidence in underwriting?  Is it common sense?

Common sense. Do it.

We’re going to go with common sense underwriting.

There you go.

Quentin, thank you so much.


So again, when I say that my underwriter is literally next door to me, that’s literally what I mean. I can go and ask Quentin questions.

So here’s what’s important to remember: At Corporate Investors Mortgage Group, when we say our loans are approved and closed locally we mean like right here in Chapel Hill or in Raleigh; all done here right in Triangle with us. Alright. Thanks so much.

Chase Mortgage Rates Raleigh, NC 27619

Here’s a mortgage calculator with taxes, homeowners insurance, mortgage insurance, and
with principal, interest, taxes, homeowners insurance, mortgage insurance,
and even homeowners dues.

Questions? Contact me here.

You may be interested in what other client experiences have been. Watch their YouTube videos.

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