Bio
Stew Sweet is a knowledgeable loan professional who is passionate about helping his clients achieve their home financing goals. Stew is adept at listening to his clients’ needs, and he provides prompt and articulate communication throughout the loan process. To address the complexity of today’s lending environment, Stew provides both short and long term planning to ensure that his clients have a thorough understanding of their home finance transaction. Stew is dedicated to the ongoing learning required in the mortgage industry, and he actively tracks both the mortgage-backed securities and local real estate markets.
Contact Stew today for a breakdown of the short and long term implications of your real estate transaction, at no cost or obligation.
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Completely happy living as rented tenants in a unit of a duplex, our clients were devastated to learn that their landlord wanted to put their home up for sale. They had no desire to move and were interested in purchasing the property, but worried homeownership was still out of reach. They asked the landlord to keep the for sale sign off the lawn while they explored the possibility, then gave us a call. When we met, they were thrilled and surprised to learn that they could qualify to purchase both units of the duplex. They were thankful to be able to stay in the home they loved and lived in for so long, and now even have rental income to help supplement their new mortgage!
A young couple was looking to purchase their first home and came to us with many questions about buying and getting pre-approved. Referred by their Realtor, we sat down to answer their questions and go over various low down payment programs that worked with their budget. We pre-approved them for a 3.5% down FHA loan to help preserve their funds and kept in touch while they started their search. Once they were in contract, we helped ease their concerns as the house underwent repairs and continued to guide them throughout the transaction. They’re now comfortably settling in, fulfilling their goal of owning their first family home.
After searching for nearly two years, potential first time home buyers came to us to strategize ways to strengthen their offers. They had 10% to put down, were self-employed and had sky high debt ratios. We recommended a unique down payment assistance program that provides an additional 10% down without any additional cost – increasing their total down payment to 20%. With their new pre-approval in hand, they submitted a strong offer and committed to a 22 day close. This time, history did not repeat itself and the seller accepted the offer, providing a happy ending to a two year search.
A long-term client with six loans under her belt came to us to once again ask for advice. She had recently sold a property in one state and wanted to use the funds to buy a condo in another. Knowing she wanted to preserve as much cash as possible, we recommended she do a 1031 exchange to avoid paying additional taxes on the sale. With the clock ticking, we helped her complete the paperwork, overcome obstacles with the listing agent, and close ahead of the exchange deadline. She was not only grateful for the investment advice, but for having a go-to lender she could rely on.
First time buyers had just gotten into contract on a nice fixer upper when they realized the home needed much more work than they initially thought. Nervous they wouldn’t have enough funds to cover the renovation costs, their local bank suggested they chat with us to discuss a more specialized type of financing. We met and informed them that an FHA 203k renovation loan would allow them to finance the cost of the repairs along with their new mortgage, without affecting their budget. These types of loans can take more time to close, but by working closely with their contractors and keeping their file updated, the repairs and their loan were ready two weeks ahead of schedule – taking their home from potential to perfection.
Client Wins
Contact
Phone: 510.647.5328
Mobile: 925.395.3693
Fax: 925.407.2869
1385 Shattuck Avenue unit B
Berkeley, CA 94709
RPM Mortgage is a proud member of LendUS®, one of the largest independently owned and operated mortgage lenders in America. LendUS® was created as a collaboration of two well-established, like-minded companies. Together, we have formed one company, with one name, that is solely-focused on providing our clients with smart advice and an easy process with super speed.
