Marc Brinitzer leads Team1 and is its primary originator. With 26 years experience in mortgage lending, financial planning, and commercial real estate, Marc blends a broad base of financial experience into a unique approach to lending. With his understanding of the way in which these disciplines interact in his client's lives, he provides insight, clarity, and the knowledge necessary to make better mortgage decisions.
Lindsay has been with Team 1 since 2003. She first came on to the team as a funding assistant and quickly transitioned to the team’s closing manager. Focusing on the teams’ large production, she closed all of the team’s loans until late 2005. Realizing her strengths, Lindsay discovered her passion to work with clients on a different level and help them achieve homeownership and financial success. Lindsay is now a junior loan officer on the team and is excited to bring her knowledge and experience to Team One's clients.
Darin has been employed in the mortgage industry since 1994. A wizard with the many automated underwriting systems employed by lenders today, Darin is Team1's head processor and processing supervisor. He joined Big Valley Mortgage and Team1 in Feb. 1998, working directly with Kurt Reisig initially and has continued with Team1 since.
Manuel Prado is the Team's originating loan officer in charge of our new home subdivisions. With an extensive background in financing new home sales, Manuel provides our builder clients and their buyers excellent advice and assistance for addressing the unique needs of a new home buyer. Fluent in Spanish, Manuel also works with all of our Spanish speaking clients.
Peggy has been with Big Valley Mortgage since 1995. One of our most cherished employees, she originally came on board as a loan set-up specialist and receptionist. She has played many roles for the company and Team1, and currently acts as our junior loan processor, working closely with Darin. As a familiar voice to the clients we have served for two decades, Peggy is also our chief good-will embassadors.
The recent Housing bill sailed through Congress and across the President’s desk, easily gathering the required ink along the way. Although complicated enough that some provisions won’t take effect until next year, it appears that the Nehemiah, a popular seller-funded down payment assistance program (SFDAP), and it’s clones are ......
In a shocking move, even to most of us in the biz, the morning began with the news that Financial Title Company had locked its doors and laid off all its California employees as of 6pm last night. Oh, oh, that’s not good.
Apparently Financial Title’s parent company Mercury Cos of Colorado had defaulted [.........
The US House of Representatives voted yesterday (check the date of this article, how’s that for a early scoop) 272 to 152 to pass the housing bill that is steaming through Congress on the fast track. This is the little piece of legislation that authorizes additional funds for FHA guarantees, props up [.........
The Sacramento Bee reports this morning that the end may be very near for the Nehemiah program. Included in the housing bill just passed by the U.S. Senate is a provision eliminating the popular down payment assistance program. The House votes later this week but is expected to go along with the Senate and President Bush.
It isn’t [.........
Well, it’s time to get back on my pony here. The site hack I experienced recently combined with this crazy market took the wind out of my sails. But like the fires that have brought nuclear winter to Sacramento–maybe I should say nuclear summer since it’s a 111 degrees today–conflagration in [.........
The current mortgage landscape is suffering from a series of aftershocks following the mortgage industry’s 2007 major quake. It used to be easy to find the right ingredients for cooking up a solution to whatever financing challenge arose. But that was yesterday. And this ain’t your mama’s kitchen anymore.
Today’s rules a......
It’s all about inflation, at least lately. An occasional positive economic report casting doubts on the weakness of the economy underscored by Fed speak suggesting that inflation is public enemy number 1 has bond traders pulling out their hair. Rates have been steadily rising for the past week or two.
Bernanke spoke last [.........
Despite the weak housing market, or maybe in a strange way because of it, Sacramento has made Kiplinger’s 2008 Top Ten Best Cities to Live, Work, & Play.
If you ask Sacramentans where they are from, you’ll get a surprising array of responses. As a Bay Area transplant myself, it never surprises me to [.........
In the past couple of weeks, mortgage rates associated with the increased conforming loan limits have fallen dramatically. Those rates, previously 100 basis points higher than traditional conforming loans, are now low enough to offer some relief of the type intended by the authors of the Economic Stimulus package. Housing Wire takes a [.........
This week’s wholesale inflation numbers gave the markets a good scare. The beast is loose, and the Fed is trapped between trying to prop up a sagging economy and locking the inflation monster back in the closet.
Mortgage rates are on the rise, and if Bill Gross is correct about inflation being deliberately understated, this [.........
