WORKING WITH A GUIDE TO - Our commitment to providing exceptional service and experiences that matter to you and your clients - Big Valley Mortgage
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A GUIDE TO WORKING WITH TONY SANCHEZ Our commitment to providing exceptional service and experiences that matter to you and your clients.
916.960.5210 (office) 916.335.1117 (cell)
tony.sanchez@apmortgage.com
119 E Alisal Street | Salinas | CA | 93901
bigvalleymortgage.com/officers/tony-sanchez
TONY SANCHEZ
LOCAL LENDER
MEET YOUR
LOAN OFFICER | NMLS #694236
Tony began his mortgage career in 2002, working for a mortgage banker in Salinas, Ca. He then went
to work for a mortgage broker for a few years, assisting with opening branches throughout Central
California.
He was born and raised in Salinas, Ca. where he also raised two wonderful daughters. Then, he moved
to Roseville, CA for a short time, which was where he built up the majority of his clientele up into mid-2021.
Now Tony is now BACK on the central coast in his hometown of Salinas with an office of his own that
serves as a satellite location of BVMs’ Roseville branch. The purpose of opening his office in Salinas, CA
was to get back in touch with his roots and serve as a local resource for the residents of Salinas.
However, although he is again a Salinas resident, he looks to continue to serve his relationships of clients
and realtor partners throughout the state of California while building new ones locally in his hometown.
Tony is passionate about helping families obtain their dreams of homeownership and keeping everyone
happy throughout the loan process. His priority is to keep the process easy while maintaining great
communication with all parties involved. His ultimate goal is to become the most knowledgeable loan
officer possible (hence the nickname Loan Jedi) which is why he consistently takes advantage of
educational classes to expand his knowledge base.
Specialties:
First-time homebuyers FHA
VA financing Conventional
Refinance specialist Down Payment Assistance
Jumbo financing
Homebuyer education
WHY BVM?
At Big Valley Mortgage (BVM), we Create Experiences That Matter TM.
As a Top 11 National Mortgage Banker with more than 3,500 employees
and 220 branches across the U.S., our vision is to set the industry standard
for delivering home ownership in America. Every transaction represents
a family, a home, and a life decision – and we understand and appreciate
that our participation is a privilege.
Thank you for choosing us for one of the biggest steps in your life. Our
MEET T HE TEAM
Let’s open doors together
team is now your team. We’re here to keep you updated, answer all of your
questions, and make sure you’re confident in every step you take. Each of us
has your back. You’ll find our contact information below.
LUCY ROUSE
LOAN OFFICER ASSISTANT
Lucy works as the primary contact and liaison
between clients, branch manager, and assigned
loan originator and schedule any follow-up
items.
She coordinates and prepares documentation
necessary for verifications and underwriting
such as loan files, loan packages, credit
reports, and additional mortgage application
paperwork.
Lucy reviews all loan package documentation
for discrepancies, omissions, and income
calculation, then reports any discrepancies to
the loan originator.
She also follows up with customers and
in-house inquiries on transactions.
LOWELLA DUNGCA
PROCESSOR
Lowella is responsible for evaluating your loan
application for accuracy. She analyzes credit,
income and asset documentation and submits
the creditworthiness and eligibility before sub-
mitting to underwriting.
Lowella is a liaison between applicants, loan
officers, mortgage brokers, real estate agents,
escrow officers and our operations team to
assist in meeting critical deadlines to ensure
your loan closes on time.
THE LOAN PROCESS
Experience the difference
5 REASONS TO CHOOSE We close fast.
OUR CLIENT’S OFFER We close more.
We closed over 125,000 loans in 2020
& 2021 combined
Ranked Ranked
#11 in2021
the industry
#12 in2020
the industry
We Have Your Buyers Covered
• First time buyers • Investment • Renovation
• Exclusive FTHB programs • Jumbo • Construction
with Fannie & Freddie • FHA • & More
• Non-QM • VA
• Alt-A
Products & Commitment
We have your buyers covered with products they need to get into homes
We’re Nationally Recognized
Because Rankings Matter
OVER
72,000+ 92.6
4.96 CUSTOMER
AVERAGE RATING REVIEWS NPS SCORE
OUR CLIENTS
WHAT WE OFFER Service
• Same day pre-approvals
• White Glove service
• Education and options
Communication
• Updates at every major milestone
throughout the loan process & beyond
• Availability to answer questions via
phone, email, text, video, or in-person
Underwriting
• Initial AI underwrite – full decision in hours
subject only to property & appraisal
• Complex scenario assistance
• First time buyer programs, including several
available only to us
• Get people into homes approach to underwriting
Turn times
• Close transactions on time, every time
We partner with you to help you build your business and your brand.
BUILD YOUR BRAND
SELL MORE HOMES & Our tools and materials are complimentary and designed with you in mind !
Co-Marketing Opportunities
• Digital marketing
• Event co-hosting
• Co-branded email campaigns
• Just listed / Just sold postcards
• Door hangers
• Yard signs & sign riders
Marketing Kit
• Single property websites
• Property-specific financing information
• Property-specific infographics for sharing
Mobile App
• Co-branded • Status updates
• Chat feature • Doc eSigning
• Payment calculator • Customized to-do lists
• Pre-approval letters • Push notifications
Access to CRM
• Co-Branded materials
• Database management
• Connection to MLS
• Single property websites
• Lead gen apps
HELP YOUR BUYERS GET Let’s bring people
THEIR OFFER ACCEPTED home together
With our Keys on Time TM program, we’ll approve
your buyer’s financing before they start shopping and
close on time, or we’ll pay $2,000.*
How to Close in 21 Days:
1) Apply for your 2) Satisfy all 3) Make your 4) Close in
financing prior to income & asset offer with 21 Days
making your offer conditions confidence
CONNECT COMPLETE CELEBRATE
We’ll provide conditional We’ll work with your We’ll meet the closing
loan approval before buyer to complete date, or we’ll pay
buyer starts shopping licensing once offer $2,000 to the buyer or
for a home is accepted seller (buyer’s choice)
*Commi tment not available i n Oregon. Terms and conditions apply.
Vi s it www.apmortgage.com/kot for full details or you may ask for a printed copy of the terms.
A MODERNIZED Close Faster with
LOAN EXPERIENCE WITH BVM AI Underwriting
APM utilizes the latest technology to
modernize and improve the loan
experience for you and your buyers.
We use proven Artificial Intelligence
(AI) Underwriting technology to
expedite the loan approval process –
meaning your buyer has a true
conditional loan approval within hours.
It’s just one way we can help you
WOW your clients and get more
offers accepted.
Benefits of AI Underwriting
TBD Approvals Without an
Underwriter
When your buyer goes under contract,
the only thing we need is the appraisal
– the loan is already done!
Give Your Buyers a Leg Up on
Their Offers
Same-day conditional loan
approvals, instead of pre-approvals
Close Loans Faster and Easier
AI Underwriting shaves days off
your closing timeline
MOBILIZE YOUR BUSINESS Features designed with BVM
Start using your customized dashboard today your business in mind MOBILE
Custom Branding & Custom home Mortgage calculators
Virtual Business Cards search integration
Secure, compliant Prospect activity Real Time Loan Status
mobile document insights with push alerts
scanning & uploading
Integrating APM Mobile saves my agent's time. They introduce the mobile
app to buyers during the prequalification & preapproval stage so they can
calculate monthly payments during the home search process, and even save
the scenarios. Once in contract, the app allows them to walk through the
loan process quickly, painlessly and naturally.
—Tyson Rondeau, NMLS #185843BUYERS COVERED
WE HAVE YOUR Available in a variety of terms. A government insured loan that
FHA
CONVENTIONAL
Conventional loans require no typically offers lower rates than
PMI with a down payment of conventional loans and is great
20% or more. for first-time buyers.
DOWN PAYMENT DOWN PAYMENT
As low as 3%- 5% As low as 3.5%
CREDIT SCORE CREDIT SCORE
As low as 620 As low as 580
LOAN AMOUNT LOAN AMOUNT
Up to $625,000, Up to $625,000,
depending on county limits depending on county limits
MORTGA GE INSURA NCE MORTGAGE INSURANCE
Until 78% - 80% LTV For life of loan
PROPERTIES PROPERTIES
Single family, 1-4 units, Single family,
condos, manufactured homes, 1-4 units, condos,
investment properties manufactured homes
DEROGA TORY EVENTS DEROGATORY EVENTS
No bankruptcies in last 4 years No bankruptcies in last 2 years
No short sales in last 4 years No short sales in last 3 years
No foreclosures in last 7 years No foreclosures in last 3 years
SELLER CONTRIBUTIONS SELLER CONTRIBUTIONS
Up to 9%, depending on LTV Up to 6%
GIFTED FUNDS GIFTED FUNDS
Allowed Allowed
Available to U.S. veterans,
VA
reservists. active duty and
surviving spouses based on
military entitlement.
DOWN PAYMENT
As low as 0%
CREDIT SCORE
As low as 580
LOAN AMOUNT
Entitlement Limit
MORTGAGE INSURANCE
None
PROPERTIES
Single family,
1-4 units, condos,
manufactured homes
OCCUPANCY
Primary residence
SELLER CONTRIBUTIONS
Up to 4%
GIFTED FUNDS
AllowedBUYERS COVERED
WE HAVE YOUR Ideal for buyers who cannot A government insured loan that
NON-QUALIFIED
USDA (RURAL)
typically get approved for typically offers lower rates than
conventional or ether conventional loans and is great
qualified loan programs. for first-time buyers.
These are typically utilized DOWN PAYMENT
by clients who have had As low as 3.5%
financial issues but have
CREDIT SCORE
sufficient income and
As low as 580
assets.
INCOME BASED ON LOAN AMOUNT
Bank statements Up to $625,000,
Cash flow depending on county limits
Full documentation MORTGAGE INSURANCE
CREDIT SCORE For life of loan
As low as 620 PROPERTIES
DEBT-TO- INCOME (DTI) Single family,
Up to 55% Considered 1-4 units, condos,
LOAN AMOUNT manufactured homes
Up to $3,000,000 DEROGATORY EVENTS
PROPERTIES No bankruptcies in last 2 years
Owner Occupied or Second No short sales in last 3 years
Home No foreclosures in last 3 years
OTHER HIGHLIGHTS SELLER CONTRIBUTIONS
Up to 6%
• Up to 90% LTV
GIFTED FUNDS
• 30-year fixed 5/1 ARM, 7/1
Allowed
ARM, 10-year interest only
• Foreclosures, bankruptcy &
late pays may be allowed
• First time home buyer
• Cash-out up to &750,000
• Asset Depletion Available
• Non-warrantable condos
allowed
• Bank statement income
sources allowed
• Foreign nationals allowed with
US credit and income
• ITIN, Self Employed or Credit
ChallengedENHANCED JUMBO PROGRAMS Not all buyers fit into
Competitive rates and flexible options cookie-cutter loan programs
We have programs for those that break the mold
Loan Amounts 15% Down with First Time Homebuyer
up to $3M no MI to 1.5M programs1
Non-Warrantable Departing Asset Depletion
Condos allowed 2 Residences allowed
3 allowed 4
RSU’s allowed 4 Short Term Rental Up to 40 acres
properties allowed 5 allowed
Medical Professional 12- & 24 -month bank Unlimited number of
Program to 95% statement loans financed properties
Foreign Nationals, Unlimited DTI with All gift fund Gift funds on non -
ITIN Numbers ample reserves purchases owner- occupied
purchasesWITH RENOVATION LOANS
MORE MARKETABLE LISTINGS With our Dream Home
Renovation Program, you can
attract more buyers and sellers
A renovation loan allows improvements to be made quickly, right after
Close of Escrow. Motivate buyers to look at more homes for sale, including
short sales, REO’s and fixer uppers.
With our experience in renovation lending, we are ready and able to serve
your buyer’s needs and help you sell more homes!
Attract more Confidently take on
prospective buyers a fixer- upper listing
Create more interest Work more
for your listing efficientlyLET’S OPEN MORE DOORS
TO WORKING WITH YOU!
WE LOOK FORWARD
TOGETHER
About BVM
BVM is a top 10 Independent Mortgage Banker with more than 1,700 licensed loan advisors and
over 200 branches, serving home buyers across the United States. We’re known for Creating
Experiences That Matter, and serve our communities, referral partners, and borrowers through
our local retail branches with a personal touch and attention to detail.
As a company, we embrace the concept of homeownership with enthusiasm and optimism for
America. Every employee at BVM knows that every transaction represents a family, a home, and a
life decision, and we understand that our participation is a privilege and that our job in the end is
to delight everyone involved in the loan process… because, after all, there’s not much more that
matters than the human connection and home.
v1.2022 © 2022 Big Valley Mortgage Corporation (NMLS 1850). Equal Housing Opportunity.You can also read
