Ken Schmidt

Background

About Ken Schmidt

Branch Manager / Producing Mortgage Loan Officer -"Helping create an amazing lending experience for residential homeowners" Loan Options for Almost Every Need CONFORMING - 3% Down Owner Occupied - Super Low PMI - Credit Scores as low as 620 - Home Ready / Home Possible - Manufactured Home OK—Singlewide OK - Piggy Back 2nds to avoid PMI GOVERNMENT - ZERO Down Options Available - Credit scores as low as 580 - USDA / FHA / VA - Down Payment Assistance Programs - Debt Ratios to 55% OTHER LOANS - 5% Down Construction Loan (One Time & Two Time Close)- Lot / Land Loans - Non- Warrantable Condos - Down Payment Assistance Programs (CHFA, Metro DPA, Diamond)- Bank Statement Qualifying (for Self-Employed)- 1099 Qualifying - No Tax Returns (for Self-Employed)- Asset Qualifying for High Net Worth Borrowers - 5% Down Jumbo - Investor Loans ON ALL PRODUCTS - One Year Rate Lock Options - “Lock & Shop” Program - Temporary Buydowns - Permanent Buydowns - We Keep the Servicing to our Loans - Fixed & Adjustable Rates - Close in as little as 14 days ASK ABOUT OUR BUILDER AND HERO CLOSING COST DISCOUNTS • Mission Statement: Serving our communities with thoughtful, honest & competitive mortgage solutions while striving to make a positive difference in people’s financial future. • Value Statement: We are well prepared, trusted advisors that take ownership in what we do and how we do it, all the while demonstrating teamwork, transparency, ethics, knowledge & exceptional commitment for the lives we touch and relationships we build. NMLS 306214, Gateway Mortgage NMLS 7233, Equal Housing Lender