Christine Bell

"Certified Residential Lending Specialist"

I'm a:	Real Estate Professional
Company:	Allegiance Mortgage Services
Location:	19465
Web sites:	Website
Phone:	(866) 577-PENN

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About Me

I've started this business in 1995. I'm one of less then a dozen certified mortgage brokers in Pennsylvania (Certified Residential Mortgage Specialist). We are a mortgage broker, but also can close loans in our own name. We have a higher level of license than a mortgage broker, one that is more difficult to obtain.

I like this job...the numbers and helping people aspects, and never see myself doing anything else. Our company continues to change with the times and be ahead of the curve implementing service-improving technologies and staying abreast of all the changes in loan guidelines. We try to offer every good loan product that is available from all the reputable wholesale lenders to our customers. We always put customer service first.

BBB member.

Testimonials

"Christine's service is impeccable! I went with her services back in April of 2006 for a refinance and had a wonderful experience. Then my husband and I decided to sell our home in November. Just as before, Christine was able to give me the lowest closing cost and interest rates I could find. She was also prompt with my requests and even though she lives three hours away from me, the closing couldn't have gone any smoother. We are so happy to have found her and have already recommended her to several of our friends in the area!"
Bethany Cincotta Harrisburg, Pa Sun Apr 13

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Christine Be…'s Questions (1)

Christine Be…'s Answers (24)

i need a good realtor in the area of allentown, need to sell house fast.

Asked Fri May 23 2008, 19:44 by Maria Mendez - Allentown - Home Selling - 10 answers

Christine Bell answered:

I know a good realtor.... My agent for my new home in Bethlehem, Tammy Huk (973) 219-7199. You should at talk to her and maybe talk to 2 more agents and decide.

Good luck. - Sat May 24 2008, 06:18

Do vacant houses sell for less money? Should I wait to move my furniture out until my house is sold? My

Asked Thu May 15 2008, 12:23 by Christine Be… - 19465 - Home Selling - 4 answers

Christine Bell answered:

Jeffrey, I'm a lender. Thanks. - Thu May 15 2008, 13:12

If I put less that 20% down am I required to get PMI. Am I able to shop around for rates?

Asked Thu May 15 2008, 12:28 by Tom Caluzzi - West Chester - Home Buying - 5 answers

Christine Bell answered:

If your annual income is under $55360 we have a 100% NO PMI program with a low rate. - Thu May 15 2008, 12:33

What are the odds that I can offer 175k for a house that was listed for 249K and have that offer accepted?

Asked Mon May 12 2008, 10:50 by Angie - Philadelphia - Home Buying - 8 answers

Christine Bell answered:

Please let us know how it went if you make the offer. - Thu May 15 2008, 12:27

If a home is on the market for 299k since feb '08, what would you offer them?

Asked Thu May 15 2008, 08:25 by Tom Caluzzi - 19380 - Home Buying - 6 answers

Christine Bell answered:

It's a fine line. If you realy want the house, you could insult them with too low of an offer, and end up paying more.

Also, it depends on what kinds of terms you are offering. If you have a home sale contingency, or any other terms than are viewed as risky to the seller, plan of offering more.

I am in the midst of buying and selling myself. I insulted a few people with low offers thinking it was a buyer's market, and learned the hard way that the seller's emotional attachment to their home goes beyond the numbers. When I found a house that was priced right, the sellers were insulted by my offer so I ended up paying almost full price. But the house is priced below the appraised value.

You also might want to find out what the sellers owe on the house. Some people are fully leveraged.

Good luck!

A cash deal with a quick closing, offer less. - Thu May 15 2008, 09:24

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