Direct Mortgage Lender With No Lender Overlays
This guide covers dealing with a direct mortgage lender with no lender overlays. Most direct mortgage lenders have no lender overlays. There are two types of lender guidelines. Government and Conventional Guidelines and Lender Overlays. Non- Qm Mortgage Lenders is a national lender with no lender overlays on government or conventional loans. Non- Qm Mortgage Lenders’ consumer direct division is available seven days a week. Three of our team of loan officers are available seven days a week to take consumer phone calls:
- Michael Gracz, National Sales Manager
- Dale Elenteny, Senior Vice President
- Alex Carlucci, Senior Vice President
Michael Gracz, Dale Elenteny, and Alex Carlucci are senior licensed mortgage loan originators of the Rapid Response Group of Non- Qm Mortgage Lenders. They are also tenured team leaders with Non- Qm Mortgage Lenders. All three fine mortgage professionals have over a decade of mortgage experience. Alex, Mike, and Dale have done everything in the mortgage business: cold calling, sending out mailers, blogging, writing articles for major publications, processing, pre-underwriting, and getting files ready for a clear-to-close mortgage loan.
Michael Gracz is also the Training and Marketing Administrator at Non- Qm Mortgage Lenders.
Mike is the person who welcomes new employees to our organization and sets them up with the licensing process as well as their credentials. Michael is extremely knowledgeable about tax return analysis as well as qualifying self-employed mortgage loan borrowers. Dale, Mike, and Alex worked closely with Gustan Cho and assisted and serviced a majority of Gustan Cho’s borrowers as well as Gustan Cho’s realtor partners.
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Expertise As Direct Mortgage Lender With No Lender Overlays
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Dale, Alex, and Michael are experts in the following:
- FHA Loans
- FHA 203K Loans
- VA Loans
- USDA Loans
- Jumbo Mortgages
- Reverse Mortgages
- NON-QM Loans
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As a mortgage lender with no overlays and a senior team member at Non- Qm Mortgage Lenders, our team of Rapid Response Group professionals at Non- Qm Mortgage Lenders handled some of the toughest mortgage loan applications ever. Here are the types of loan scenarios Alex, Dale, and Michael are experts in:
- Helping borrowers with credit scores under 600 FICO
- Helping borrowers with unpaid collections
- Borrowers with prior bankruptcy and foreclosure
- Borrowers with high debt-to-income ratios
- Borrowers with gaps in employment are everyday mortgage files for our Team
Non- Qm Mortgage Lenders handles more FHA 203k loans in the state of Illinois as well as the rest of the country than any other licensed mortgage loan originator. Non- Qm Mortgage Lenders is known nationally by mortgage industry experts as King of the FHA 203k loans Michael Gracz is a national FHA 203k expert who many real estate professionals and national real estate and mortgage companies go to for his expertise in FHA 203k loans. His 20+ years in the real estate, mortgage, accounting, and construction industries make him a true leader and trainer for our newer loan officers. Non- Qm Mortgage Lenders has national FHA 203k Rehab Lending Programs from coast to coast throughout the year.
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More On Non- Qm Mortgage Lenders Mortgage Group
Non- Qm Mortgage Lenders knows what borrowers expect of them and exceeds their expectations. We always pride ourselves on working to continually advance our relationships with our borrowers, whether former, current, or future. “I love meeting new people and building long-lasting relationships,” says Mike Gracz. “I am very big on relationship-building, and I make worthwhile introductions to people in my network every day.” Dale Elenteny also credits Non- Qm Mortgage Lenders’ “incredible support team” as a foundation for his success. Dale goes further and quotes, “My clients are amazed at how fast we close deals.” Non- Qm Mortgage Lenders is available seven days a week for our clients and realtor partners.
The Gustan Cho Team
Michael Gracz, Alex Carlucci, and Dale Elenteny are licensed loan officers of Non- Qm Mortgage Lenders Mortgage Group. However, their roles are placing home buyers with licensed loan officers when they are buying homes and assisting with assigned loan officers of borrowers until they close on their homes with support staff from the pre-approval processes until close. At Non- Qm Mortgage Lenders, the borrower will work not just with one mortgage professional but with a team of professionals.
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Conventional Direct Mortgage Lender With No Lender Overlays
Besides being a leader and expert in FHA, VA, and USDA residential mortgages, Non- Qm Mortgage Lenders are also an expert in conventional loans. Mike Gracz originates more conventional loans than any other loan officer at Non- Qm Mortgage Lenders and is also known as the King of Fannie Mae and Freddie Mac. Many of our referral partners at Non- Qm Mortgage Lenders include the following: Real estate investors. Real estate rehabbers, financial planners, certified public accountants, and property flippers who need short-term fast financing to acquire, rehab, and flip properties. With investors who need short-term bridge financing due to the property not being financeable due to needing repairs, we are one of the nation’s largest non-QM lenders and offer many non-QM loan programs. Non- Qm Mortgage Lenders Mortgage Group has correspondent relationships with local lenders nationwide. We help with short-term financing through portfolio loans through local banks and after the rehab is done, Our team will then arrange long-term financing with Non- Qm Mortgage Lenders at lower mortgage rates and the best mortgage terms available in the market.
About Alex Carlucci at Non- Qm Mortgage Lenders
Alex Carlucci holds two law degrees: a Juris Doctorate and a Masters of Laws, and a Master of Business Administration (MBA) degree. Alex is a licensed mortgage loan originator and a full-time employee at Non- Qm Mortgage Lenders. Alex works closely with Gustan Cho. Part of his scope of work is to help Gustan Cho expand his consumer-direct network nationwide.
Alex Carlucci is an associate contributing editor at Non- Qm Mortgage Lenders. Alex is also a contributing senior writer for Non- Qm Mortgage Lenders Mortgage & Real Estate Information Resource Center, a national mortgage publication.
In addition to his career at Non- Qm Mortgage Lenders, Alex enjoys playing tennis and is always studying and researching the newest mortgage lending guidelines,, so he stays well versed in the latest mortgage regulations.
Contact Non- Qm Mortgage Lenders Mortgage Group
The Team at Non- Qm Mortgage Lenders are available seven days a week, evenings, weekends, and holidays. Customer service to our borrowers is our team’s number one mission and priority. If you have any questions or need a national lender with no lender overlays, contact us at 800-900-8569 or text us for faster response. You can also email us at contact@non-qmmortgagelenders.com.
