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- 10 Answers
- 4 Useful Answers
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About Me
Why we started in this business
Todd and Erin began their careers in Real Estate as investors. They found it a constant challenge to find a reliable, honest, and experienced loan officer to join their team. After several frustrating transactions dealing with lenders who were commission driven rather than customer focused, Todd and Erin realized that they were the client focused loan officers they had been searching for. Team Newington has been serving their clients ever since.
Team Newington's experience brings in-depth knowledge, skill, and a unique and creative approach to their client's real estate financing needs.
"We are committed to operating in a professional, ethical
and organized manner and are focused on
the success of our clients."
Our Guarantee
Over the years we have come to understand the many fears people have when shopping for a mortgage. Some of these fears may be being lied or tricked into a mortgage that they do not want and cannot afford, slapped with outrageous fees or given a higher interest rate then promised. These fears are no doubt spurned on by the incredible amount of horror stories you may have heard, or may have even experienced yourself, which has left you wary of all mortgage professionals.
We Promise You A Difference...
A difference that you will notice in the presentation of a custom fit mortgage solution for your unique individual needs. A difference that can be appreciated when our team strives to give you the financing terms you expected, or better, at the close of your transaction. A difference you will acknowledge when experiencing the customer service and contact we will provide you after the close of your home purchase or refinance.
This continual client contact service will include:
Free education downloads and resources available at our websites and by mail.
A mandatory 3 month call back service to ensure that your new mortgage is satisfactory, and answer any questions or concerns you may have with your home.
Every 6 months a scheduled Equity Report on your property will be mailed to you. This valuable information will give you a current look at your home's equity level and your neighborhood's rate of appreciation.
You will also receive a FREE annual Mortgage & Debt Strategy consultation to ensure that you are continually making progress in your steps towards your financial goals.
To top this off, a highly experienced mortgage planner/debt strategist from our team will be readily available to you for all of your questions and concerns at all times. This is our promise to you and our guarantee.
Todd and Erin began their careers in Real Estate as investors. They found it a constant challenge to find a reliable, honest, and experienced loan officer to join their team. After several frustrating transactions dealing with lenders who were commission driven rather than customer focused, Todd and Erin realized that they were the client focused loan officers they had been searching for. Team Newington has been serving their clients ever since.
Team Newington's experience brings in-depth knowledge, skill, and a unique and creative approach to their client's real estate financing needs.
"We are committed to operating in a professional, ethical
and organized manner and are focused on
the success of our clients."
Our Guarantee
Over the years we have come to understand the many fears people have when shopping for a mortgage. Some of these fears may be being lied or tricked into a mortgage that they do not want and cannot afford, slapped with outrageous fees or given a higher interest rate then promised. These fears are no doubt spurned on by the incredible amount of horror stories you may have heard, or may have even experienced yourself, which has left you wary of all mortgage professionals.
We Promise You A Difference...
A difference that you will notice in the presentation of a custom fit mortgage solution for your unique individual needs. A difference that can be appreciated when our team strives to give you the financing terms you expected, or better, at the close of your transaction. A difference you will acknowledge when experiencing the customer service and contact we will provide you after the close of your home purchase or refinance.
This continual client contact service will include:
Free education downloads and resources available at our websites and by mail.
A mandatory 3 month call back service to ensure that your new mortgage is satisfactory, and answer any questions or concerns you may have with your home.
Every 6 months a scheduled Equity Report on your property will be mailed to you. This valuable information will give you a current look at your home's equity level and your neighborhood's rate of appreciation.
You will also receive a FREE annual Mortgage & Debt Strategy consultation to ensure that you are continually making progress in your steps towards your financial goals.
To top this off, a highly experienced mortgage planner/debt strategist from our team will be readily available to you for all of your questions and concerns at all times. This is our promise to you and our guarantee.
Testimonials
""Thank you for your persistence and expert help with obtaining financing for my property. Your attention to my needs and goals partnered with your desire to find the very best deal possible for me was clearly evident and resulted in a good solution for my mortgage. Even with the little bumps along the way, you were tenacious in watching my back. Bravo! I look forward to future business transactions."
Carol Tue May 13
Carol Tue May 13
My Q&A
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Team Newingt…'s Questions (0)
Team Newingt…'s Answers (10)
Team Newington answered:
Don’t be embarrassed about the score! You are proactively fixing it as we speak!
Have you had your credit pulled since you have paid off the debt? I would be curious why your scores are where they are at!
If you want we can run your credit and run it thorough our online system that will show us exactly what changes you can make to get your credit score up. We have many clients we have assisted this way, so you are not alone!
Without looking fully at your situation, it seems to me .. for the most part have little debt to pay off. With your annual salary and the right purchase price, you could still continue to pay off debt and own a home. I am sure with your high income you are paying through the nose for taxes every year. If you had a write-off (I am assuming that you are not self employed), you could divert more money to paying down your debt.
The biggest thing you can do for yourself is have a plan! Make sure to work with a Realtor and Mortgage professional that can help!
Have you had your credit pulled since you have paid off the debt? I would be curious why your scores are where they are at!
If you want we can run your credit and run it thorough our online system that will show us exactly what changes you can make to get your credit score up. We have many clients we have assisted this way, so you are not alone!
Without looking fully at your situation, it seems to me .. for the most part have little debt to pay off. With your annual salary and the right purchase price, you could still continue to pay off debt and own a home. I am sure with your high income you are paying through the nose for taxes every year. If you had a write-off (I am assuming that you are not self employed), you could divert more money to paying down your debt.
The biggest thing you can do for yourself is have a plan! Make sure to work with a Realtor and Mortgage professional that can help!
Team Newington answered:
Hi Investor!
Good questions. I thought I would post a great website for you to use to assist you to get ball park figures for your questions above. The resource is calledhttp:// www.Zilpy.com. This great little website will help you locate zip codes that produce the most rent per square foot.
Once you have those zip codes you can ask you realtor to pull up homes that meet your criteria.
Are you looking for cash flow? Will you leverage the homes or pay with cash? Why single family homes and why not larger apartment complexes?
Give us some more details on what you want from your 1031 exchange!
Good questions. I thought I would post a great website for you to use to assist you to get ball park figures for your questions above. The resource is calledhttp:// www.Zilpy.com. This great little website will help you locate zip codes that produce the most rent per square foot.
Once you have those zip codes you can ask you realtor to pull up homes that meet your criteria.
Are you looking for cash flow? Will you leverage the homes or pay with cash? Why single family homes and why not larger apartment complexes?
Give us some more details on what you want from your 1031 exchange!
Team Newington answered:
Jim's right!
Most likely it is initial loan application that need to be filled out. I would have to question why this is being handled by your Realtor and not the mortgage professional. This is perfectly normal and in order to prequalified you need to start the process before a house is selected.
I would also agree more than likely a "kick back" is not involved. Most likely your Realtor has a good working relationship (pretty darn good since he is having you sign the loan paperwork) with a lender.
I would caution you on how many times you give your information (social security number, date of birth, and so on). Not all mortgage professionals are alike. Too many pulls on your credit could affect your score.
On a final note.. If you are not comfortable with the agent you feel you are "stuck with", I am not sure you want to start a relationship with their lender. That is just me! Buying a home should be a good experience and it sounds to me that you might not think your current Realtor is a good fit. If that is the case... it is OK to maybe look at other options.
Most likely it is initial loan application that need to be filled out. I would have to question why this is being handled by your Realtor and not the mortgage professional. This is perfectly normal and in order to prequalified you need to start the process before a house is selected.
I would also agree more than likely a "kick back" is not involved. Most likely your Realtor has a good working relationship (pretty darn good since he is having you sign the loan paperwork) with a lender.
I would caution you on how many times you give your information (social security number, date of birth, and so on). Not all mortgage professionals are alike. Too many pulls on your credit could affect your score.
On a final note.. If you are not comfortable with the agent you feel you are "stuck with", I am not sure you want to start a relationship with their lender. That is just me! Buying a home should be a good experience and it sounds to me that you might not think your current Realtor is a good fit. If that is the case... it is OK to maybe look at other options.
Team Newington answered:
Hi Mie!
I think the number one thing you should do is get clear on your buying power. What I mean by this is it is really important to work with a Mortgage Professional that can help you get clear on how much of a payment you can afford. This does not necessarily mean how much you can qualify for.
The most important thing to consider before you start looking at homes is what homes price range you can sustain. A good mortgage professional can help you create a budget to assist you to determine this number.
It is my opinion that this be done first before you get an agent involved. There is no point in disappointing yourself looking at homes you can't afford.
Once you know what your target house payment is, then it is important that you get pre-approved for your new loan. This way your Mortgage Professional can review all of your financial documents to make sure that your loan approval is solid. There is nothing worse than finding the house of your dreams and then 15 days into escrow you find out your can't qualify.
Once you have your pre-approval then is when your hunt for the perfect Realtor should begin. If you would like a recommendation for someone in your areas just let us know!
Good Luck!
Erin
Team Newington
First Priority Financial
(916) 687-6868
I think the number one thing you should do is get clear on your buying power. What I mean by this is it is really important to work with a Mortgage Professional that can help you get clear on how much of a payment you can afford. This does not necessarily mean how much you can qualify for.
The most important thing to consider before you start looking at homes is what homes price range you can sustain. A good mortgage professional can help you create a budget to assist you to determine this number.
It is my opinion that this be done first before you get an agent involved. There is no point in disappointing yourself looking at homes you can't afford.
Once you know what your target house payment is, then it is important that you get pre-approved for your new loan. This way your Mortgage Professional can review all of your financial documents to make sure that your loan approval is solid. There is nothing worse than finding the house of your dreams and then 15 days into escrow you find out your can't qualify.
Once you have your pre-approval then is when your hunt for the perfect Realtor should begin. If you would like a recommendation for someone in your areas just let us know!
Good Luck!
Erin
Team Newington
First Priority Financial
(916) 687-6868
Team Newington answered:
You sound like a perfect candidate for FHA! Plan on 3% down (+/- closing costs) and note you can utilize down payment assistance programs in order to put less down. The important thing to do is to work with a mortgage professional that can offer FHA programs (because 80% can not) and work with an experienced Realtor who can help you to properly structure your offer. If you need any help, please let us know! Good luck!
Erin
Erin
Certifications & Awards
We are CMPS Certified!
What is CMPS Certified?
CMPS professionals have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS professionals can better advise you when it comes to:
- Your single largest debt - mortgage
- Your single largest asset - real estate equity
- Life Planning needs and goals - cash flow
- CMPS professionals are trained to help you increase your cash flow
- CMPS professionals are skilled in helping you become debt free sooner and achieve true financial freedom
- CMPS professionals are equipped to help you profitably invest in real estate and protect you from mortgage and real estate investment scams
- CMPS professionals are qualified to help you implement mortgage and real estate equity strategies to help you save money on income, capital gains and estate taxes
- CMPS professionals are committed to help you improve your credit score and get the best deal on your financing
- CMPS professionals are able to explain the benefits and drawbacks of paying off your mortgage before retirement, and help you to determine which strategy works best under your individual circumstances
- CMPS professionals can guide you in implementing the best home equity and mortgage strategies for divorce situations
- CMPS professionals can help you implement a financial strategy to finance your children's education
- CMPS professionals are equipped to better enable you to financially care for your elderly parents
- CMPS professionals are able to help you implement beneficial mortgage and real estate equity strategies before and during job or career changes
- CMPS professionals can help empower you to start or sell your business by implementing viable mortgage and real estate equity strategies
- CMPS professionals are able to recommend the proper financial strategies when you are ready to buy or build a vacation home
- CMPS professionals are committed, qualified and equipped to help you implement mortgage, cash flow and home equity strategies to build and conserve wealth when buying a home or refinancing your mortgage
- CMPS professionals have pledged to follow a Code of Ethics
Be smart... Ask questions... Get answers!
More than likely, this is one of the largest and most important financial transactions you will ever make. You might do this only four or five times in your entire life... but we do this every single day. It's your home and your future. It's our profession and our passion. We're ready to work for your best interest.
What is CMPS Certified?
CMPS professionals have demonstrated financial knowledge and expertise regarding the tax and financial planning implications of various mortgage and real estate investment strategies. Therefore, CMPS professionals can better advise you when it comes to:
- Your single largest debt - mortgage
- Your single largest asset - real estate equity
- Life Planning needs and goals - cash flow
- CMPS professionals are trained to help you increase your cash flow
- CMPS professionals are skilled in helping you become debt free sooner and achieve true financial freedom
- CMPS professionals are equipped to help you profitably invest in real estate and protect you from mortgage and real estate investment scams
- CMPS professionals are qualified to help you implement mortgage and real estate equity strategies to help you save money on income, capital gains and estate taxes
- CMPS professionals are committed to help you improve your credit score and get the best deal on your financing
- CMPS professionals are able to explain the benefits and drawbacks of paying off your mortgage before retirement, and help you to determine which strategy works best under your individual circumstances
- CMPS professionals can guide you in implementing the best home equity and mortgage strategies for divorce situations
- CMPS professionals can help you implement a financial strategy to finance your children's education
- CMPS professionals are equipped to better enable you to financially care for your elderly parents
- CMPS professionals are able to help you implement beneficial mortgage and real estate equity strategies before and during job or career changes
- CMPS professionals can help empower you to start or sell your business by implementing viable mortgage and real estate equity strategies
- CMPS professionals are able to recommend the proper financial strategies when you are ready to buy or build a vacation home
- CMPS professionals are committed, qualified and equipped to help you implement mortgage, cash flow and home equity strategies to build and conserve wealth when buying a home or refinancing your mortgage
- CMPS professionals have pledged to follow a Code of Ethics
Be smart... Ask questions... Get answers!
More than likely, this is one of the largest and most important financial transactions you will ever make. You might do this only four or five times in your entire life... but we do this every single day. It's your home and your future. It's our profession and our passion. We're ready to work for your best interest.
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