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- 63 Answers
- 2 Best Answers
- 13 First Answers
- 12 Useful Answers
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About Me
Hello! I'm a mortgage specialist with The Priority Mortgage Group of State College. I specialize in residential mortgages but also have the knowledge and capability of doing USDA, FHA, VA construction loans, self employed, jumbo loans, commercial loans and alot more. I pride myself in constantly being available to my clients and those involved in a transaction. I am able to originate loans all over PA, VA, and MD! If there's is something I can help you with let me know
I am also bilingual in both english and spanish and am able to handle a transaction from start to finish in spanish!
I am also bilingual in both english and spanish and am able to handle a transaction from start to finish in spanish!
Testimonials
"Employee Of the Month For February 2008"
The Priority Mortgage Group Fri Feb 1
The Priority Mortgage Group Fri Feb 1
"Employee Of The Month For August 2007"
The Priority Mortgage Group Wed Aug 1, 2007
The Priority Mortgage Group Wed Aug 1, 2007
"2007 Pace Setter Club"
The Priority Mortgage Group Sun Apr 13
The Priority Mortgage Group Sun Apr 13
"Thank you both for everything you both did. You both are the best at your jobs. I will always remember, what you have done for Mike and I. In a couple of weeks when everything is together at the house, we will have you over. Thanks again. Keep up the good work, you both are very special guys"
Wendy & Mike Sun Apr 13
Wendy & Mike Sun Apr 13
"Terry and I were just talking about this refinancing and how we
wanted to keep our business with you since you did such a great job for us"
Terry & Stepanie Sun Apr 13
Terry & Stepanie Sun Apr 13
"The only mortgage broker I will ever use!"
Brian Bender, Keller Williams Advantage Realtor Sun Apr 13
Brian Bender, Keller Williams Advantage Realtor Sun Apr 13
"Thanks for the quick help for my clients. I look forward to working with you again"
Len DeDecarmin, Prudential First Choice Realtor Sun Apr 13
Len DeDecarmin, Prudential First Choice Realtor Sun Apr 13
"I really like working with you because you keep in touch with me"
Sandi, BVM Settlement Sun Apr 13
Sandi, BVM Settlement Sun Apr 13
My Q&A
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Andres Munar's Questions (0)
Andres Munar's Answers (63)
Andres Munar answered:
Tiana,
Congrats on making the decision to purchase a home. First I would highly suggest finding a mortgage broker and seeing if your approved, for how much, what you can afford, etc. I think that should be the first step because there is nothing more dissapointing in looking at home that either a you can't afford or b that you don't qualify for. From there your mortgage broker can reccoment you to a good buyers agent. This is the really cool part that you'll ger a real estate agent and the seller will pay their commision. I'm a mortgage broker so if you need assistance please feel free to contact me and then i can also put you in contact with a realtor. Thanks and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Cell
amunar@prioritymortgagegroup.com
Hablo Espanol
Congrats on making the decision to purchase a home. First I would highly suggest finding a mortgage broker and seeing if your approved, for how much, what you can afford, etc. I think that should be the first step because there is nothing more dissapointing in looking at home that either a you can't afford or b that you don't qualify for. From there your mortgage broker can reccoment you to a good buyers agent. This is the really cool part that you'll ger a real estate agent and the seller will pay their commision. I'm a mortgage broker so if you need assistance please feel free to contact me and then i can also put you in contact with a realtor. Thanks and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Cell
amunar@prioritymortgagegroup.com
Hablo Espanol
Andres Munar answered:
Speelie,
Good afternoon. There are many ways to improve your credit. Even though you don't have any debt your not showing the creditors that you can manage your debit because you have none to manage. They look for how well can you balance a car loan, student loan, mortgage, and credit cards all while keeping the balance low. Also I think the bigger issue that you will run into is will your income be enough to qualify you for your mortgage. They will include both of your mortgages, taxes, homeowners and any other debt you both currently have. With the current scores you should be able to qualify for a mortgage if the income is there. If I can be of further assistance please let me know. Thank you for your time and have a great day
Andres Munar
800-839-6186x334 Office
814-308-3276 Direct
amunar@prioritymortgagegroup.com
Good afternoon. There are many ways to improve your credit. Even though you don't have any debt your not showing the creditors that you can manage your debit because you have none to manage. They look for how well can you balance a car loan, student loan, mortgage, and credit cards all while keeping the balance low. Also I think the bigger issue that you will run into is will your income be enough to qualify you for your mortgage. They will include both of your mortgages, taxes, homeowners and any other debt you both currently have. With the current scores you should be able to qualify for a mortgage if the income is there. If I can be of further assistance please let me know. Thank you for your time and have a great day
Andres Munar
800-839-6186x334 Office
814-308-3276 Direct
amunar@prioritymortgagegroup.com
Andres Munar answered:
Wayne,
Good afternoon! Why is the child support negative? where you late on it or is it just showing up? You could possible obtain a mortgage with something that is called alternative tradelines. Do you pay your bills with cash or check? If you have 12 months canceled checks of atleast 3 bills including rent, insurance, cell phone, electric, water, etc.. and nothing else bad on your credit report you may be able to obtain a mortgage. I would be happy to look into this more for you and if you need further assistance please dont hesitate to call. Thanks and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Cell
amunar@prioritymortgagegroup.com
Good afternoon! Why is the child support negative? where you late on it or is it just showing up? You could possible obtain a mortgage with something that is called alternative tradelines. Do you pay your bills with cash or check? If you have 12 months canceled checks of atleast 3 bills including rent, insurance, cell phone, electric, water, etc.. and nothing else bad on your credit report you may be able to obtain a mortgage. I would be happy to look into this more for you and if you need further assistance please dont hesitate to call. Thanks and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Cell
amunar@prioritymortgagegroup.com
Andres Munar answered:
Tom,
This is still possible. There is one loan program available that allows you to purchase a house 100% financing and it includes all your closing costs. The down fall is that you are not allowed to have any collections, there are income guidelines, and the property must be eligible. If this sounds like something you would be interested in give me a call. Thanks and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Direct
amunar@prioritymortgagegroup.com
This is still possible. There is one loan program available that allows you to purchase a house 100% financing and it includes all your closing costs. The down fall is that you are not allowed to have any collections, there are income guidelines, and the property must be eligible. If this sounds like something you would be interested in give me a call. Thanks and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Direct
amunar@prioritymortgagegroup.com
Andres Munar answered:
Sam,
Good afternoon. This statement is both true and false. It will depend on which bank and program that you choose. If you go regular conventional they will require you to have a paper trail for anywhere between 6-12 months of rental income. I did finished a loan up where I had the same scenario and I took him through FHA. The bank required a lease and a copy of the canceled deposit check for the rent. Please let me know if I can be of further assistance. Thank you and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Direct
Good afternoon. This statement is both true and false. It will depend on which bank and program that you choose. If you go regular conventional they will require you to have a paper trail for anywhere between 6-12 months of rental income. I did finished a loan up where I had the same scenario and I took him through FHA. The bank required a lease and a copy of the canceled deposit check for the rent. Please let me know if I can be of further assistance. Thank you and good luck
Andres Munar
Mortgage Specialist
800-839-6186x334 Office
814-308-3276 Direct
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