Getting to Closing!

About the Book

“Getting To Closing” will give you the insider information you need to understand and navigate the residential real estate loan process.  This book explains the details of the mortgage process, the loan application and disclosures, and even tells you how to save thousands of dollars on your mortgage once you have it.  Cheryl Peck spent ten years as a Mortgage Broker, closing thousands of loans.  This book gives you the insider view of how the process works, how the underwriter views your file, and other things you need to know to help you get the best possible real estate mortgage loan.

Whether you are a first time home buyer, or have closed several real estate loans, this book will give you valuable information that will help you get your residential real estate loan closed with a minimum of stress. Property types and uses, along with their effects on the loan, are discussed. The book also discusses the sales contract, appraisal, home owners insurance, title work, and what to expect at closing. You will learn the secrets of quoting and locking an interest rate. “Getting To Closing” will give you tips to streamline the process, reduce costs, be better prepared, and get your loan approved and closed.

In today’s tighter credit markets you need all the information you can get to make the best deal possible on your home or investment property loan.  This book gives you that information, which you may not get from your loan officer, so you will never be surprised at closing!  

About the Author

Cheryl Peck has over 30 years of experience in business.  Her first job out of college was as a “repo man” where she began her interest in finance and heard every excuse known on why someone doesn’t pay their bills. Her career culminated with ten years as a mortgage broker building her business from one employee, doing one loan the first month, to a company with over a dozen employees closing more than 70 loans a month.  She has also spent time as federal employee and as a federal contractor leading to a job as the regional manager of over 300 employees supporting various parts of the Defense Department and other federal agencies.  Through all of this, in her heart she was always an entrepreneur.  Having had several businesses “on the side” she finally quit her job and started her Mortgage Brokerage.  Despite having no real experience in this area, she took a short course, incorporated herself, navigated the minefields of government regulation and succeeded in a business that some say has a worse reputation than selling used cars.  She built her business on honesty and integrity and with the guiding principle to treat clients the way she would want to be treated.  In an industry not known for good customer services, she did more than 80% of her business though referrals and “word of mouth” advertising.  She even had family members of her competition coming to her for loans!  After 10 years of working 12 to 14 hours a day and never really having time off, Cheryl closed her business in 2007 and now lives a “semi-retired” life.  In addition to taking care of her husband and her dog Harley, she spends some time writing and working on various new less intense entrepreneurial pursuits.