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.
In a sort of reversal of its former reversal, HUD announced that it would allow FHA approved lenders to monetize the tax credit to allow first time buyers to “apply the tax credit to their down payment in excess of 3.5 percent of appraised value or their closing costs, which can help achieve a lower [......Read More
Well, it was a good idea while it lasted. Concerns about similarities between this proposal and seller-funded down payment assistance programs has scuttled the idea before it ever left port.
May. 19, 2009 12:00 AM
The Arizona Republic / J. Craig Anderson
Federal officials on Monday reversed an earlier decision to allow first-time home b...Read More
I haven’t heard the official announcement, and banks often take awhile to adopt these changes formally, but this would be great news indeed.
…from Realtor.org
“Shaun Donovan, secretary of the U.S. Department of Housing and Urban Development, on Tuesday said that the Federal Housing Administration is going to permit its lende...Read More
Fannie Mae has clarified its implementation of the Obama Administration Making Home Affordable Plan announced on March 4, 2009. The refinance pice of the Obama plan–Home Affordable Refinance–is for borrowers with an acceptable payment history who have been unable to refinance to lower rates or a more stable loan due to decli...Read More
For those who have lost a home or defaulted on other debt, the salt in the wound might be the income liability associated with cancellation of debt. As you may know, when you are relieved of debt, the IRS considers the amount to be taxable income. And this is the time of year when those [......Read More
To read the news, you would think mortgage rates had suddenly fallen through the floor. While the slide has been steady in recent weeks, owing to the Fed’s fat wallet and their promise to shill at the Treasury auctions, the decline is clearly not as dramatic as portrayed by the headline-hungry media.
Here’s what I mean. ...Read More
The California State legislature recently approved a 90 day moratorium on foreclosures. Exempted are banks with loan modification programs. Although opponents vehemently denounced the new law as merely delaying the inevitable, the exemption could apply needed pressure on the banks to more actively modify loans. Other critics argue...Read More
With the First Time Home Buyer Tax Credit that was first passed last Fall, and the recent House and Senate versions that modified that further, some people are still confused about the details. How much is the credit, when does the home have to be purchased, and can the tax credit still be taken for [......Read More
Last week’s announcement by the Fed that it was committed to buying an additional $750b of mortgage-backed securities (MBS) and up to $300b of Treasuries had a brilliant one-day impact on mortgage rate. For the remainder of Wednesday, mortgage rates “plunged” (in the words of the Sacramento Bee) by one-quarter to one-half percent...Read More
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