Loan Officer Location
About Me
Loan Officer · NMLS 1057175
I have been married for 29 years and I have a 22 year old son and a 24 year old daughter. My experience in the mortgage industry spans over three decades and I have experience in conventional, FHA, VA, USDA and non qualified mortgage programs. I parlay my knowledge to be able to find the best program for my borrowers. I have excellent communication skills and I treat every borrower as if they are my last.
My Location
Super Loans , ,
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Kristina Hayes's
OVERALL RATING
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"Kristina has..."
Kristina has rendered her service above and beyond, rendering it thru even Kate at night. An amazing person that would like to be a great friend in a professional manner, her personal demeanor is a best asset in the COMPANY. Once again SHOUT OUT LOUD, KRISTINA made this transactions painless. She has been there for us, I am not only grateful to her but of all you had message us via email. BRAVO ????????????????????????????????????
Norman
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"Great experience"
Great experience
Jon
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"Kristina was very..."
Kristina was very efficient, knowledgeable, and always kept us up to date.
Kim
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Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.