Titles & Designations: …
About Michael Fernandez
Over the past 14 years, earning strong past client and Realtor referrals has been my passion! I've achieved this by always putting the client's needs first and taking the time to understand each individual's needs and goals through a comprehensive consultative approach. Driven by my personal moral values and strong work ethic, I'm extremely proud of the bonds I've created with many referral partners and past clients. Throughout my career, being exposed to many different real estate markets, lending institution processes and complex financing situations has prepared me to assist a broad range of clientele from First Time Home Buyers to seasoned multi-family real estate investors. I've not only become and expert in all mortgage lending programs and the markets I serve but also the fine details of the process to ensure a fast and smooth closing and a perfect experience for all involved in the transaction! In addition to conventional / conforming / FHA and government loans I specialize in the following niche products and situations: - Veteran's Administration / Regular VA Loans & High Balance VA Loans - Jumbo Loans / Lending - Complex Income Analysis / Self Employed Income / Income from Commissions and Bonuses / Real Estate Partnership K-1 Income analysis - Single Family / Multifamily / Duplex / Triplex investment analysis and correspondent mortgage financing - Cooperative "Co-op" Loans / Lending Caliber cannot accept mortgage loan applications or inquiries for properties located in New York through this site.