I’m T.R. McCarthy – Mortgage Broker

@TRtheLoanGuy

I Want to be Your Loan Guy…. Let Me Help You Find & Forge Your Own Path to Home Ownership with Over 18 Years of Mortgage Experience. 

Let's Talk

Personal Mortgage Coaching

Are you looking to purchase, Refinance, Renovate an existing home, or start ground up construction?  Let me coach you through the process.  With my vast mortgage experience, I have closed Purchase loans in as little as 15 days from submission to funding.  Let me show you how easy we can make this process for you and your family. 

Personal In-House Mortgage Broker for Realtor Agents

If you are an Agent / Realtor, you need a great lending partner on your team PERIOD!!! Partner with me and get my Underwriting Management background.  Access over 30 lenders to produce a one stop shop.  Receive your own personalized Client Pre-Approval link to aid in quick funding.   Also receive our free Agent Cross-Promotional video program on major social media platforms. 
 Helping You Achieve Success

Unlock Your Mortgage Potential. Say Hello to your NEW HOME

With over 30 Lenders and specialty products, we will customize a personalized  mortgage plan that best fits your individual need.  No more one size fits all borrowers.  We have programs to fit your specific needs. Set an appointment with me and watch how fast we can come up with a solution that fits your lifestyle.   

Get Pre-Approved

Friendly and Knowledgeable Loan Officer dedicated to you!

Programs to fit most scenarios.

Close fast with our loan portal. You can upload document requests from anywhere and sign documents electronically.

You now have mortgage professional on your team. So call anytime and ask any questions for you or friends and family. Remember, you have a guy for that!

Purchase

Whether you are a first-time home buyer, or a seasoned vet, utilize my vast wealth of knowledge to make  your purchase go smoothly.
Apply

Refinance

Whether you are looking to pull some cash out, or want to lower your rate, let me walk you through your options today.  
Apply

Renovation or Adding an ADU

Are you in the market to remodel your kitchen, put in a pool, a garage conversion, or building an Additional Dwelling Unit in the backyard, I have the perfect progam to fit your needs.  Call me today and lets make your dream a reality.
Apply

Reverse Mortgage

Are you a senior and looking to lower your monthly expenses?  Let me take the fear out of a FHA backed Reverse Mortgage.  Let me answer all your questions and see if this is the right move for you. 
Apply

What Is Partnering?
Why Should Realtors Care?

We are building Teams of Real Estate, Construction, and Home Improvement Professionals to partner together to provide the best and most exceptional service to our clients. @TRtheLoanGuy is dedicated to answering the general questions while showcasing the remarkable talents of industry professionals.

Enjoy the Comfort of Having a Finance Guy on Your Team!
Every business rises and falls on the back of it’s talent.   Which means, you are your business.  Your success depends on the team you surround yourself with.  Pick the best talent that is knowledgeable and can perform the task needed exceptionally.  Every Realtor needs a Mortgage Professional on the team.  Its just makes sense.  You need a Mortgage Broker who specializes in multiple programs to get the job done.  A Contractor, Great Escrow and Title Officer, Insurance Agent, Carpet person, Handy Man, and Painter are all invaluable assets for your clients.
Technology to Help You Succeed
We have taken our technology to the next level and you are the beneficiary!  All of our referring Realtors receive their own custom branded Client Pre-Approval link and QR code, giving you complete insight and knowledge every step of the way.  

Simply give the code to your client.  When the client logs on, they see your head-shot, your contact info, therefore they trust that you referred them. They also get the ease of submitting an application and uploading docs from anywhere. You get  complete oversight, are notified once the application is submitted, approved, the appraisal returns,  CTC has been reached, docs have been signed, and once the loan has funded.  You are given access to the back end of our portal to see what stage of the process your loan is in.  

Free Cross Promotion! Yes, It's Really Free....
Every Realtor will get at least one free promotional video on Realtor Corner, produced by @TRtheLoanGuy to go on the following social media platforms:  Youtube, Facebook, Instagram, and Linkedin.   We have seen tremendous success with this process. Promote your business today!  
Access to ask a Questions Directly to an Underwriter!
If you have a loan scenario or complex question, we will field them directly to an Underwriter and get you the answers you need. 
Someone Who Cares!
If you don’t succeed, I don’t succeed.  It’s that simple.  My job is to close loans quickly, while making you look good in the process.  I work hard behind the scenes, warding off potential challenges, so the borrower doesn’t have to.  

About Me

MORTGAGE BROKER   l   AUTHOR   I   PUBLIC SPEAKER   I   HUSBAND   l   FATHER

I BUILD LASTING RELATIONSHIPS THAT GO PAST THE DEAL.  ITS NOT ABOUT THE DEAL, ITS ABOUT BUSINESS RELATIONSHIP.   LET’S GO BEYOND AND TACKLE THE HARD QUESTIONS ABOUT MORTGAGES, PURCHASE, REFINANCE, REVERSE MORTGAGES, RENOVATION LOANS, OR INVESTMENT LOANS WITH  DIRECTNESS, AND PROFESSIONALISM.

I AM WHAT THEY CALL A UNICORN IN THE MORTGAGE WORLD, AS I HAVE BOTH MORTGAGE ORIGINATION AND MORTGAGE OPERATIONS EXPERIENCE.   I HAVE WORKED ON BOTH SIDES OF THE MORTGAGE BUSINESS AND THEREFORE UNDERSTAND THE PROCESS HOLISTICALLY.  I NAVIGATE THE PROCESS TO GET YOUR LOAN CLOSED QUICKLY AND EFFICIENTLY.  I HAVE OVER 18 YEARS EXPERIENCE IN THE MORTGAGE SECTOR WORKING FOR SEVERAL MAJOR BANKS AND MORTGAGE LENDERS.  MY ROLES HAVE INCLUDED MORTGAGE BROKER, LOAN OFFICER, UNDERWRITING BRANCH MANAGER, UNDERWRITING TEAM LEAD, UNDERWRITING TRAINING SPECIALIST, SENIOR UNDERWRITER, UNDERWRITER II, PROJECT MANAGER, AND SENIOR LOAN PROCESSOR.  

PICK UP THE PHONE AND CALL TODAY, AND LET ME SHOW YOU WHY I SHOULD BE YOUR LOAN GUY!

Testimonials

“I would like to thank both of you for the excellent service you gave both Debbie and Me!! It was stressful, but you two are the best in the business as I thank you both for the excellent care!!! Dinner will be real soon.

– PeDell Bills

The reason why I went with TR with a home refinance is because I felt safe. I felt like I could trust him with my goals, and that he would not manipulate them to his advantage. I wasn’t rushed, and I didn’t feel pressure at any point in the process. In addition to that, TR represented me well and always acted on my behalf. I will definitely go to TR for help with similar transactions in the future and would not hesitate to recommend him to my friends and family.

– Abraham Light

I met TR at a networking club and got to talking about my daughter’s FHA loan she took out in April 2019 to buy her first home. Her rate was over 5%. TR directed us through the FHA Streamline refinance process and got her rate down to 3.8% with very low costs. She is saving over $300 per month in her payments. TR made the process very easy and followed up diligently to make sure the correct paperwork was submitted to move the loan through quickly. From application to funding, the process took less than 30 days. He was great to work wkith. Highly recommend .

– Sue Yeomman

Do’s and Dont’s of Your Mortgage Loan!

Do: Get Pre-Approved First

The first step in your home buying or refinance process is to figure out what you are qualified to borrow.  If you are purchasing, you now know your budget, this will keep you on track.  Your Real Estate agent can submit  your pre-approval letter with your offer.  Sellers accept buyers who have been pre-approved more seriously than those who are not.  Our technology allows you to complete your pre-approval application from anywhere.  Click the link below to start the process.
Get Pre-Approved

Don't: Take Out More Credit During the Loan Process!!!

A common mistake for many buyers going through the loan process, is  going out and buying a new car, or new furniture on a new credit card before the loan is closed.  Why is this a bad idea?  Borrowers are conditionally approved based on a  specific Debt-to-Income ratio, commonly referred to as DTI.  This is ratio that is based off your income, what you bring in monthly as opposed to your monthly expenses.  Lower DTI is better than higher.  Every loan program has a DTI ceiling.  So if you were qualified under the maximum DTI  ceiling for a particular loan program, and you add more debt before the loan is closed and finalized, this will increase your monthly debt and could potentially make your loan approval ineligible.  So, the bottom line is do not take out any new debt until the loan is closed and funded. If you have any questions, please do not hesitate to call and get more information.
Contact

Do: Collect All Your Documents Ahead of Time.

W2 Employee:  Copies of your most recent Pay stubs covering 30 days and last 2 years W2 statements.

Self-Employed:  Copies of your most recent 2 years tax returns with all pages for conventional loans….  OR ….. Most recent 12 months bank statements for Non-QM Bank Statement Loan Program. 

Social Security and Retirement Income:  Latest copy of SSI and Retirement Award Letters or Last 2 months bank statements showing receipt of funds. 

Other Items:  Copies of a Valid Driver’s License, Alimony and Child Support documents from court, or proof of any other income. 

Assets:  Last 2 months of bank statements used for cash to close.  Most recent quarterly statement for 401K accounts if funds will be withdrawn for cash to close.

 

See Checklist

Find Your Starting Point. Set Your Goals.  Reward Yourself with a Home.

Make An Appointment
I love what I do!  I have the experience and knowledge to get your loan closed fast with minimal stress.  Make a great decision today and let me work for you to clear the field of hurdles and obstacles that can present themselves at the most inopportune times.  There are so many issues that come up behind the scenes in the mortgage process.  Let me take care of those items so you don’t have to worry.  Having the right Loan Guy on your team makes all the difference.  Look no further, call me today and see why I am TRtheLoanGuy. 

Don’t Wait Any Longer. Start Forging Your Own Path Today!

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