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MEET JEFF CARZINO


LOAN ADVISOR


LOAN ADVISOR

JEFF CARZINO

LOAN ADVISOR

NMLS #936980

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I am proud to be part of the team at LendUS®. With the support of in-house
processing, underwriting and funding professionals, I am able to offer the fast,
personalized service you deserve when purchasing or refinancing your home. Our
vast collection of lending products is designed to accommodate unique scenarios
and offer you more choices. Getting started is easy with our Home On Time®
Application. You’re able to submit your profile and financials in minutes from
any device, and communication is streamlined so you and I can share information
quickly and easily throughout the lending process.

To learn more about our products and services, and how they can help you reach
your homeownership goals, contact me today.





CLIENT WINS


★#LENDUSWINS

Making It Work

> In Puerto Rico, the biggest challenge in homebuying is financing a loan since
> closings can often take 90 days. In 2020, when our client’s loan wasn’t
> closing on time, they felt forced to pay all-cash. The couple had recently
> decided to move from California to Puerto Rico with their three children.
> However, with their original lender, they faced paying all-cash to get their
> dream home, or they’d lose their earnest money deposit and have to start over.
> While they opted for the former, they went through an LLC, so the home wasn’t
> entirely theirs yet. Per a friend’s suggestion, our clients connected with one
> of our Loan Advisors, who stepped in to help them pay off the corporate
> partner, leaving the house solely in their name. Under a deadline to pay back
> the partner, our Loan Advisor quickly got to work. He and his team qualified
> them with the right loan product, jumped over local real estate law hurdles,
> and our United States-based underwriting team closed in 52 days. Now our Loan
> Advisor considers these borrowers a great success story but also a lasting
> friendship.

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★#LENDUSWINS

You’ve Got a Friend In Me

> When looking to refinance their new home in South Carolina to take advantage
> of a lower rate, our clients turned to their realtor, who referred them to our
> Loan Advisor. The couple, an FBI agent and a registered nurse, had recently
> moved from California the previous year. After just two days of discussing
> their potential refinancing, one of the couple’s mother was looking to move
> out of her rental and buy a home after her husband’s passing. Since inventory
> was low, the couple found it difficult to find a home that checked everyone’s
> boxes, so they settled on purchasing a home in a nearby neighborhood for her.
> Due to their refinancing, our Loan Advisor was able to use much of the same
> paperwork for their second home loan. Even with the surprise investment
> property, the team finished both closings without delays. Now they are great
> friends with their Loan Advisor and even go golfing together.

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★#LENDUSWINS

A Helping Hand

> As a single, self-employed woman living on a farm in a remote area of
> California, our borrower was starting to feel hopeless about refinancing her
> home and locking in a low rate after a previous lender couldn’t figure out her
> finances. When our Loan Advisor reached out to see if he could assist her, the
> borrower was skeptical initially but ended up applying after he convinced her
> he could help. But due to her self-employment, she didn’t have the traditional
> documents to prove her income. So, our Loan Advisor got to work combining her
> tax returns, profit and loss statements, bank deposits, and invoices to help
> her refinance. The borrower was extremely grateful our Loan Advisor took the
> time to compile the additional information and help her save more money in the
> long run.

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★#LENDUSWINS

Deal or No Deal

> A recent borrower had started a loan with another mortgage company, but the
> process wasn’t going well. Not only was their appraisal inspection date set
> after the closing date, but the seller was unwilling to accommodate any
> changes and threatened to accept a backup cash offer. The borrower was
> starting to feel overwhelmed and turned to their realtor for help. Luckily,
> their realtor suggested enlisting the help of a trusted Loan Advisor to see if
> she could save the deal. Our Loan Advisors take pride in creating lasting
> relationships with their realtor partners since they can benefit the community
> and help in a situation when you need someone you trust. This realtor-Loan
> Advisor relationship came in handy for this borrower, and they were able to
> get the financing just in time. They gathered the necessary documents, opened
> a file, submitted an appraisal, and closed in just 11 business days, all over
> the busy Fourth of July holiday weekend. Both the borrower and realtor were
> impressed with our Loan Advisor’s professionalism and her team’s willingness
> to take on the deal and save the day.

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★#LENDUSWINS

As Luck Would Have It

> The market this past year has been a tough one for eager buyers. One of our
> borrowers felt the struggle when she and her Veteran husband were recently
> buying a new home. They had already sold their house and were under a 60-day
> leaseback, so time was ticking to find a new space. After a few of their
> offers were rejected, the pressure of their deadline felt even more severe.
> Because inventory was so low, despite not being 100% happy with the house,
> they went under contract anyway, and the borrowers figured they could make it
> work. Then, as luck would have it, two weeks into the financing process with
> our Loan Advisor, the house of their dreams was back on the market. The
> borrowers and the Loan Advisor acted fast by passing on their current contract
> and starting from scratch on a VA loan for their new home. They were able to
> close in just three weeks, and our Loan Advisor’s team went above and beyond
> to make it all happen smoothly. His borrowers were so grateful for the support
> and the help of his team that they promised only to use our services next time
> they need financing.

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★#LENDUSWINS

Happily Ever After

> After his first wife’s passing, our borrower was happy to find love again.
> With a new beginning on life, our clients were looking to purchase a new home.
> After finding their dream home, the sellers revealed they needed a fast
> closing. With our dedication, we were able to close their loan all within two
> weeks! Now, they’re living happily ever after in their dream home and are
> looking forward to getting married next year.

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MY CONTACT INFO

JEFF CARZINO

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3240 Stone Valley Rd West
Alamo, CA 94507

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