Expert financing offers up to date loan programs tailored to fit all borrowers' needs. The company specializes in Fannie Mae, Freddie Mac, FHA, conventional and non-conventional loans, jumbo loans, no income verification loans, commercial loans, small business debenture loans, foreign national loans, construction loans for residential and commercial purposes from re-habilitation projects to new construction; the company also offers loans for purchases, refinances, home equity line of credit and line of credit for commercial property. At Expert Financing an Expert Loan Officer can help you in finding the best Loan for your needs. Our group of professional loan experts speaks your language, including, Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole.
ABOUT EXPERT CREDIT FIX U.S.A.
Expert Credit Fix U.S.A is ahead of the game, assisting borrowers with less than perfect credit to fulfill their dream of home ownership. The company offers different levels of credit restoration service to best fit each borrower needs. The service packages are tailored to service borrower with minor credit issues like excess inquiries to more challenging credit issues like bankruptcies or even foreclosures. Expert Credit Fix U.S.A. will help borrowers to restore their credit to a level where lenders will grant them credit and at a low interest rate.
Certain statements in this release and the attached corporate profile that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by the use of words such as "anticipate," "believe," "expect," "future," "may," "will," "would," "should," "plan," "projected," "intend," and similar expressions. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. The Company's future operating results are dependent upon many factors, including but not limited to the Company's ability to: (I) obtain sufficient capital or a strategic business arrangement to fund its expansion plans; (ii) build the management and human resources and infrastructure necessary to support the growth of its business; (iii) competitive factors and developments beyond the Company's control; and (iv) other risk factors.
CONTACT INFO
Robert Rico
Robert@expertfinancing.net
305-949-LOAN
Correspondent Lenders
=====================
Correspondent lenders, a relatively new group of mortgage loan providers, are similar to mortgage bankers in their ability to make a decision whether to extend you a loan and fund it with their own money. However, as soon as your loan is closed, it is usually sold to another lender, the 'funding lender', with which the correspondent lender has a business relationship. If a correspondent lender makes mortgage loans available from one source of funds, they may be functioning as the exclusive agent of the funding lender. Many correspondent lenders, like mortgage brokers, have several sources to choose from, so they can help you to find a loan at a lower rate.
Deutsche Übersetzung:
*********************
Korrespondentenverleiher
========================
Korrespondentenverleiher, eine verhältnismäßig neue Gruppe von Hypothekendarlehenversorger, sind ähnlich, Bankiers in ihrer Fähigkeit zu verpfänden, eine Entscheidung ob zu machen, Sie ein Darlehen auszudehnen, und es mit ihrem eigenen Geld zu fundieren. Jedoch, sobald Ihr Darlehen geschlossen ist, ist es gewöhnlich zu einem anderen Verleiher, das verkauft ‚den Verleiher fundiert‘, mit den der Korrespondentverleiher eine Geschäftsbeziehung hat. Wenn ein Korrespondentverleiherhypothekendarlehen macht, die verfügbar sind von einer Quelle der Fonds, dürfen sie als der ausschließende Agent vom Finanzierungsverleiher funktionieren. Viele Korrespondentenverleiher, mag Hypothekenmakler, hat mehrere Quellen, von zu wählen, deshalb können sie Ihnen helfen, ein Darlehen an einer unteren Rate zu finden.
ABOUT EXPERT GROUP INC.
Marketing a variety of financial products & services through:
Expert Financing & Investments, Expert Group Title Services and Expert Credit Fix U.S.A. We are licensed by the Department of Financial Regulations & a member of the FAMB. Since inception, we have originated over 100 million in real estate loans.
ABOUT EXPERT FINANCING
Expert financing offers up to date loan programs tailored to fit all borrowers' needs. Our professional loan officers can help you find the best loan for your needs. We are a multi-national employer; we have representatives fluent in:
English, Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole.
The company specializes in the following types of financing and loans: FHA, SBA, Fannie Mae, Freddie Mac, Jumbo Mortgages, Home Equity Credit Lines. Refinancing Loans, Foreign National Loans, No Income Verification Loans. Conventional and Non-Conventional Loans, Purchase or Leasing. Small Business Debentures, Commercial Property Credit Lines, Commercial Loans.
Construction Loans, Residential/Commercial, Re-habilitation & New Construction Projects.
.
ABOUT EXPERT CREDIT FIX U.S.A.
We assist borrowers with less then perfect credit to fulfill their dream of home ownership. Our packages cover from minor credit issues like excess inquiries, to more challenging credit issues like bankruptcies, or even foreclosures. Our staff can customize your credit restoration service to best fit each borrower needs. Our experience WILL help borrowers to restore their credit to a level where lenders will grant them credit at a low interest rate.
EXPT Management
Robert Rico, CEO
(To be added to the IBOX shortly)
Shirley Rico, President
Mortgage Brokerage License – Principal Broker – Lic # 385825
Mortgage Broker License – Lic. # 310195
Real Estate License – Lic. # 3038263
Personal Commentary and Accomplishments
I wish to become the best at what I do through hard work, customer service, people skills, maximizing time management and marketing options as well as expanding my business to become the largest mortgage business in the estate of Florida. I have closed several deals in Mortgage and in Real Estate, from single family residences to high rise buildings, including new constructions, re-sale, condo-conversion, foreclose properties, rehabilitation properties, with deferred maintenance, condo hotels, co-ops and others. In the commercial side I have dealt with shopping centers, multi-family, office condos and gas stations. As far as borrowers, I have dealt with citizens, permanent residents, foreign national, employees, self employed, retired, first time home buyers, investors, relocations and so on.
Formal Education
2004 -- Gold Coast School of Real Estate Miami, FL: Real Estate Broker course, Real Estate
2002 -- Gold Coast School of Real Estate Miami, FL: Real Estate Sales Person Licensing, Real Estate
2001 -- Gold Coast School of Real Estate Miami, FL : Mortgage Broker Licensing course, Mortgage
1998 -- Santa Catarina, Brazil : B.A., Business Administration, Marketing. GPA : 3.8
I have studied in the best university of South Brazil. I have learned about accounting, sociology, statistics, computer sciences, management, marketing and sales among others with specializations in marketing and sales,
Languages Spoken
English, Spanish and Portuguese
Historical Record of Employment and Experience
2004 - 2005: Globelend Mortgage (Sunny Isles Beach, FL)
Independent Contractor – Mortgage Broker
Top Producer: Average Closings of 7 deals a month with 100% closing ratio.
2006 to Present: Best Seller Intl. Realty Inc. (N. Miami Beach, FL)
Realtor Associate
Independent Contractor, Realtor
2002 to 2006: AAmerican Realty Inc. (Miami, FL)
Realtor Associate
Independent Contractor, Realtor
2002 - 2004: Gulfstream Mortgage Inc. (North Miami Beach, FL)
Independent Contractor – Mortgage Broker
Developed Excellence in Mortgage Origination
2002: Coldwell Banker Real Estate (Aventura, FL)
Realtor Associate
1999 – 2001: Kenbourne International (Miami, FL)
Sales for a company with revenues over $30 Million a year, distributors of fresh and frozen seafood. Responsible for over 40 accounts, arranging for international orders direct from the plants to the final customer in the United States, Inventory control, billing.
1997 – 1998: Pro Saude Pharmacy (Santa Catarina, Brazil)
Owner Self Employed
Small business owner, pharmaceutical sales, grew it and sold it.
1993 – 1997: Amaral Seafood (Santa Catarina, Brazil)
Comptroller
Started in the IT department and was promoted to be the Comptroller for a company with 103 employees, responsible pay roll, accounts receivables and payable, book keeping and banking.
Alex Bartolomeo, BOD and Manager
Personal Commentary and Accomplishments
High-performance Bilingual Sales Representative, self motivated, high energy public speaker possessing advanced interpersonal skills. Demonstrates exceptional creativity, leadership, visionary and committed to achieving outstanding results.
Formal Education
2006: Certificate, Essentials of Florida Mortgage
Financial Strategies Education Inc. Valencia, CA
14 hrs Certificate to Originate in Florida
2005-2006: Underwriter , American School of Mortgage Banking , Burbank, CA.
Studied highly intense training course to comply and understand with FNMA/FHLMC Underwriting procedures. Interacted interesting case studies and decision-making problems which is experienced in Real Estate Lending industry
2000: A.A., Liberal Arts, Pierce College Woodland Hills, CA
Historical Record of Employment and Experience
2007: Countrywide Home Loans Miami, FL
Account Executive
Worked for the largest wholesale lender in the country , developed a book of business with business partners & broker with in community and all through out South Florida. Duties included , establishing relationships with non producing accounts and turning them around to producing accounts which resulted in the branch profitability. My job duties included cold calls which profiled potential clients and conduct sales seminars, training new and existing brokers and to ensure superior customer services by years of experience and strong product knowledge. Job duties including analyzing credit report on all loan application , from Prime, Fannie Mae, Freddy Mac, FHA loan programs and worked closely with operation, processing , underwriting, closing and secondary market department to ensure each loan is credit quality.
2006: H & R Block Mortgage Valencia, CA
Loan Officer
Converted H& R Block Nationwide clients into loans programs such as Prime, Non Prime, Government and Equity loans. In charge of conducting "Home Analysis" identifying the customer needs and provided appropriate loan solutions or advise. Converted leads into applications and negotiated terms & conditions on the loan applicant. Duties included to submitting complete packages with appraisal, title and pre underwrite for each file, before submitting to H & R Block Correspondent Lines or Lenders. Cross sold H & R Block products such as Tax Services, Financial Advisory and Financial Services.
2006: Countrywide Home Loans Woodland Hills, CA
Area Manager
Job duties included originating new B and C rated loans. Strong interaction with Mortgage brokers and provides service and support. Find new brokers and conduct solicitation calls to generate new accounts. Conduct outside sales presentation and training seminars for new and existing broker base. Manage the loan portfolio by ensuring that all pre funding aspect are complete. Maintain current knowledge of the basic underwriting guidelines for B and C product lines and refer all potential Prime clients to Countrywide counter part in the prime side.
2004-2006: Washington Mutual Bank Chatsworth, CA
Wholesale Sales Associate
In charge of managing a 65 million dollar pipeline with the top brokers through out the Los Angeles Area. Conduct Sales Presentation which consist of training with Mortgage Brokers, Loan Officers, Loan processor on selling Washington Mutual A , ALT A, B, C, Custom Construction and Community Focus loan programs. Excellent time management skills, public relationship, with a strong sales personality. My duties consisting of Sales Calls, pipeline management, visiting & maintain business relationships and forecasting monthly sales goals . The role that I have with the brokers is to be there liaison from loan submission to funding.. I have a proven track record on demonstrating a strong work ethic and to achieve sales goals. With a established book of client who are in Los Angeles Area. I am a seasoned professional with ability to build, grow & maintain client relationships
2002-2004: Washington Mutual Chatsworth, CA
Loan Consultant
Responsibilities included interviewing borrowers to assess their needs, and to determine whether the loans will qualify for Washington Mutual product line. Duties consisted of sales calls to bank customer, realtors, accountants and mortgage brokers, with in the Los Angeles area. Direct contact with the customers and to ensure customer satisfaction through out the loan process. Offered several loan programs from FRM, ARM, hybrids loans, Sub Prime and Custom Construction.
1999-2002: Bank of America Van Nuys, CA
Personal Banker
Offer financial advisement to all Bank of America customer. Responsible for providing services to ensure customer satisfaction retention cross sell. Experience team management and team training for sale campaign.
Bankers On Call/ National Direct Sales - Responsible for assisting customer, across the United States. Duties include finding the needs of Bank of America existing customer. By managing retention calls, offering Financial Consulting regarding existing products and recommending other Bank of America products. Strong product knowledge and customer service skills plays a major role on opening new accounts, such as Checking, Savings, Money Market, Certificate of Deposit accounts. Produce Sales referrals to Loans By Phone and Securities Division.
Da sollte sicherlich auch etwas für EXPT herausspringen
US-Wohnbaubeginne steigen unerwartet
Leser des Artikels: 47
Washington - Die Lage am US-Immobilienmarkt hat sich im Juni unerwartet aufgehellt. Die Zahl der Wohnbaubeginne stieg aufs Jahr hochgerechnet um 9,1 Prozent auf 1,066 Millionen, wie das Handelsministerium am Donnerstag mitteilte. Volkswirte hatten dagegen mit einem Rückgang auf 0,960 Millionen gerechnet. Für Mai wurde die Zahl der Wohnbaubeginne auf 0,977 Millionen von den ursprünglich gemeldeten 0,975 Millionen heraufgesetzt.
Die Zahl der Baugenehmigungen für Eigenheime stieg um 11,6 Prozent. Danach lag die Zahl der genehmigten Anträge aufs Jahr hochgerechnet bei 1,091 Millionen. Die Zahl ist ein Barometer für den zukünftigen Häuserbau und lag deutlich höher als von Volkswirten mit 0,960 Millionen erwartet.
Aufmerksamkeit
Expert Group, Inc. Poised for Expansion With the Hiring of Veteran Loan Originators
Tuesday September 2, 8:30 am ET
New Hires Have Produced More Than $18 Million in Loans
MIAMI, FL--(MARKET WIRE)--Sep 2, 2008 -- Expert Group, Inc. (Other OTC:EXPT.PK - News) is pleased to announce that the Company has added three veteran loan originators to its growing staff in the Miami region. The new members solidify its current staff as it extends its outreach with the goal of employing 200 full-time loan originators. Expert Group is in the process of expanding and will be opening more locations in South Florida in the near future.
ADVERTISEMENT
Expert Group welcomes Mutari Madden, who brings five years of experience as a mortgage team leader with more than $10 million in production. Antonio Saavedra brings years of experience as a loan originator in South Florida with more than $8 million in loans. Dave Smith comes to Expert with a background as a financial advisor with more than a decade of experience. Each is expected to assist the Company in its efforts to become the foremost source for lending and credit repair in the greater Miami area.
About Expert Group, Inc.:
Expert Group, Inc. is a diversified financial service company, which markets a variety of financial products and services through Expert Financing & Investments, Expert Group Title Services and Expert Credit Fix U.S.A. Expert is licensed by the Department of Financial Regulations and a member of FAMB, and since inception, has originated over $100 million in real estate loans.
About Expert Financing:
Expert financing offers up-to-date loan programs tailored to all borrowers' needs. It specializes in Fannie Mae, Freddie Mac, FHA, conventional and non-conventional loans of all sizes, including commercial, foreign national and construction loans. The company also offers loans for purchases, refinances and line of credit for home equity and commercial property. Expert Loan Officers find the best loan for customers' needs, and includes professional loan experts that speak Spanish, Russian, Portuguese, French, Italian, Hebrew and Creole.
About Expert Credit Fix U.S.A.:
Expert Credit Fix U.S.A is ahead of the game, assisting borrowers with less than perfect credit to fulfill their dream of home ownership. The company offers different levels of credit restoration tailored to service borrowers with minor credit issues like excess inquiries to more challenging credit issues such as bankruptcies or even foreclosures. Expert Credit Fix U.S.A. will help borrowers restore their credit to a level where lenders will grant them credit and at a low interest rate.
Certain statements in this release and the attached corporate profile that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements may be identified by the use of words such as "anticipate," "believe," "expect," "future," "may," "will," "would," "should," "plan," "projected," "intend," and similar expressions. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of the Company to be materially different from those expressed or implied by such forward-looking statements. The Company's future operating results are dependent upon many factors, including but not limited to the Company's ability to: (I) obtain sufficient capital or a strategic business arrangement to fund its expansion plans; (ii) build the management and human resources and infrastructure necessary to support the growth of its business; (iii) competitive factors and developments beyond the Company's control; and (iv) other risk factors.
Contact:
Contact:
Expert Group, Inc.
http://www.ExpertFinancing.nethttp://www.ExpertCreditFixUsa.comOr call:
Investor Relations
1-866-THE-APPL(E rel="nofollow">