Loan Officer Location
About Me
Loan Officer · NMLS 2051675
I have always struggled with the question, “where are you from?” When I think of home my heart has always been split between Baltimore, Maryland and Allentown, Pennsylvania. Most of my extended family lives in Maryland and I spent most of my childhood growing up in Pennsylvania so both will always be special to me. My most recent move to Knoxville, Tennessee will forever be one of my best decisions as it lead to me meeting my husband. He is in the Tennessee Army National Guard and I am a very proud military wife. My college experience in accounting and business management have given me the knowledge to help operate and expand my family’s business endeavors. I am thrilled to have found my way into the mortgage industry where I have the opportunity to combine my business experience with my love of helping others. I am extremely family oriented and I look forward to helping families everywhere through one of the most important milestones in their lives, financing their forever home!
My Location
Smoky Mountain Lending 3302 Old Bridge Road Suite A, Woodbridge, VA 22192
Social Survey View
Sarah Montgomery's
OVERALL RATING
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"helpful and..."
helpful and willing to explain what didn't make sense
Angela
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"Everyone was very..."
Everyone was very kind and understanding through a stressful time
Joann
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"Constant..."
Constant communication. Very Responsive and supportive
Rosalia
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Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.