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Christopher Cruise
GOTeHomeLoans.com
4800 Hampden Lane, Suite 200
Bethesda, Maryland 20910
Phone: 301-841-7680 Cell: 240-475-5633
Website:
www.GOTeHomeLoans.com Email:
ccruise@gotehomeloans.com
I am celebrating my 21st
year providing excellent advice, great service and low rates and
fees to clients who are purchasing a home or refinancing their
existing mortgage loan. As the Senior Loan Officer at GOTeHomeLoans
(the DC area's only Upfront Mortgage Broker), I take pride in
providing outstanding customer service and maintaining a high
standard of ethics, trust and honesty. The Mortgage Professor Jack Guttentag, who created the Upfront Mortgage Broker concept) says I
am one of the five best mortgage professionals in the country:
www.mtgprofessor.commortgage_broker.htm
I have been quoted in the Wall Street Journal, US News and World
Report, The Associated Press, The Washington Examiner, The
Washington Times, and regularly in The Washington Post, and I have
contributed articles and columns to many mortgage trade publications
since the late 1980s.
I am on the Board of Directors of The National Association of
Responsible Loan Officers -
www.narlo.com - and served on the board of the Maryland
Association of Mortgage Brokers. I have written training manuals on
Appraisals, Credit Scoring, Reverse Mortgages and The History of
Mortgages and I cover Capitol Hill as a freelance reporter for
mortgage trade publications. I guess you could say I am a true
mortgage geek and proud of it -I actually enjoy researching the
history of mortgages and I love sitting in on hours-long
Congressional hearings!
I taught 8-week long classes in home buying for nearly 8 years at
the community college level and continue to teach loan officers and
processors throughout the country for some of the country's biggest
mortgage schools including
www.LoanOfficerSchool.com and
www.LenderTraining.com
As my clients can attest, I can be reached from early in the morning
until late at night seven days a week at 240-475-5633. As a
certified Upfront Mortgage Broker with GOTeHomeLoans, I adhere to
the ethics of the Upfront Mortgage Brokers Association. Pursuant to
these guidelines, I provide you with a signed agreement detailing
the exact amount and type of compensation I will receive and I
don't accept a penny more. Any fees or commissions received in
excess of this amount are rebated to you. Unlike most brokers, I do
not accept lender incentives (called Yield Spread Premiums and
sometimes referred to as kickbacks), which means I am on YOUR side.
Increasing the interest rate does not increase my commission, so I
give you the lowest rate available from our lenders.
We don't charge our clients for a credit report and we don't
charge junk fees like "doc prep," "admin," and "misc." We also
work with title companies to secure low costs and low title
insurance premiums.
Our rate quotes are generally zero discount point quotes. (In some
instances it may make sense to pay a fraction of a discount point to
lower the rate by .125%; in those cases, we will alert you to that
and give you the information you need to make an informed
decision.)
Also, please know that we give you access to wholesale rates. In
most cases, those rates are .375% below what most online mortgage
rate charts show. You can check those wholesale rates anytime at
www.MTGProfessor.com
You can do the application online, over the phone or in our office
or we can come to you. Feel free to call me or submit a
mini-application at our website -www.GOTeHomeLoans.com. I'll quickly send you useful information
on how to shop for a mortgage loan and I'll send you personalized
closing costs estimates for your loan along with our wholesale rate
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