My name is Machelle Lee and I have been a licensed Senior Mortgage Loan Officer for over 25 years. First thing I would like to say about myself is that I enjoy and love what I do. I do not consider this a job but an opportunity and ministry to help people make the dream of becoming a homeowner a reality. I pride myself on my attention to detail and communication skills. I am a big believer of being transparent and candid in the mortgage process. Buying a home can be a scary proposition for those who have never done it before and I do a good job of simplifying the process so that it's easy to understand which helps put my customers at ease. Most importantly, I do not think of the people I works with as clients. I consider them friends and treat them as such. I am willing to take the time to educate potential buyers on what it will take to get them to the point of qualifying. If they have blemished credit, I work diligently with them to help them understand the need to keep their credit scores up and what it would take to raise their credit scores. I focus on: * Lightning fast turn times, on average 21 days * Investor Cash Flow loans - Borrowers qualify based on rents only - NO DITI calculation needed! * Qualify more people with our ITIN products with as low as 15% down * Get more self-employed buyers with our 12 or 24 months bank statement program * Hassle free 1 day out of foreclosure, short sale or bankruptcy * Non-Warrantable Condos * Jumbo loan with NO MI and as low as 10% down * FHA 100% CLTV - FHA borrowers at 96.5% can now add a 3.5% repayable 2nd mortgage over 10 years. Still using seller paid closing costs and gift funds if needed. I want you to feel so happy with your experience working with me, that if a friend asked you, "who did your mortgage", you'll think of and eagerly refer me. I make a personal connection with all my clients. I am highly proactive and responsive to you before, during, and after the home buying process. Please feel free to contact me at any time. One of my keys to success is, I answer my cell phone. I personally do not have what I call set hours, my promise is if you need me I will be there, even after 5:00 p.m. and on the weekends. I live my life according to Proverbs 3:5-6.