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Mortgage

Joined 03/25/2008

Kristen Emery

Senior Loan Officer

Mortgage California

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(408) 256-3083

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My goal each day is to provide you with the most comprehensive information available, while making your transaction as seamless and cost effective as possible. I strive to exceed your expectations in all areas. My goal is to earn your business by providing customized financing solutions that will meet your long and short term goals.

From low down payment needs to less than perfect credit – I have choices for you that can help you purchase a home. Over the last ten years, I have worked with several hundred homebuyers to purchase their first home through special programs from local, state and federal government agencies. Second homes and investment properties are also a specialty.

My ambition is to become one of your trusted advisors, through excellent customer service and sound financial recommendations.

“Where there is a will, there is a way” epitomizes my philosophy in helping individuals and families achieve their goals of home ownership. I will work diligently in helping you come up with a plan, stick to it and then at the right time, will help with finding the best loan for you, at the best available rates, with the best possible terms.

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My Comments

  • I agree with the previous
    By August 10, 2009 - 7:02pm

    I agree with the previous post - that banks should be required to disclose ysp also. I work for a mortgage broker and broker, and I am paid the same whether I broker the loan or not. It only leads to more confusion for the consumer, when the bank does not habe to disclose but the broker does. I have disclosed my ysp, even when I am originating the loan through my mortgage bank. Does not seem fair. Kristen Emery, CMPS Senior Loan Officer Silicon Valley, CA

  • Kristen Emery, CMPS Senior
    By April 19, 2009 - 4:21pm

    Kristen Emery, CMPS Senior Loan Officer Silicon Valley, CA The Obama Plan that is referenced in the article is only for the loans owned by Fannie Mae or Freddie Mac. There are two parts to the plan, a refinance program that will allow the new first mortgage to go to 105% of current appraised value (not counting any second mortgage) and then a loan modification program for other situations. Not everybody will qualify for these programs. Check here to see if you qualify: www.makinghomeaffordable.com Having researched loan modification companies to see if they could help some homeowners that came to me for help, I learned that many of the business models do not meet either the ethical standards of the California Bar Association http://calbar.ca.gov/calbar/pdfs/ethics/Ethics-Alert-Foreclosure.pdf or the standards of the California Dept of Real Estate. http://www.dre.ca.gov/mlb_adv_fees.html Finally, why not just refer distressed homeowners that do not qualify for the Obama Plan to a reputable attorney that specializes in loan modifications and real estate law? Just a thought.