Index
Today
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| Monday – Thursday | 8am – 6pm |
|---|---|
| Friday | 8am – 3pm |
| Saturday | 9am – noon, by appointment |
| Sunday | Closed. Texts still get read. |
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The call log
No star ratings and no review count. A sole practice with six hundred files does not have a wall of five-star badges; it has situations it can describe accurately.
Read this first. Illustrative. These are written situations composed for a demonstration site, not accounts from real clients, and nobody quoted here exists. There is no AggregateRating in this page’s structured data and no rating is claimed anywhere on this site, because a demonstration cannot honestly carry one.
The call log
Illustrative. These are written situations composed for a demonstration site, not accounts from real clients, and nobody quoted here exists.
A buyer had an accepted offer on a three-decker in the Armory District and a pre-approval from an online lender that had not looked at the rents. Three days before the appraisal it came back short on income.
She rebuilt the file around the rent schedule on a Sunday and told me exactly what would go wrong before it went wrong. Nobody had done that in five months of looking.
Closed on the original date.
A ceramicist with eleven years of Schedule C income and an accountant who had been doing an excellent job of minimising it. On paper she qualified for about half of what she could comfortably afford.
She explained the difference between what my returns say and what my business actually does, and then found a lender who reads it the second way.
Bank-statement program, 12 months of deposits.
A mill conversion on the Woonasquatucket where the association had 41% investor ownership and one owner holding six units. Two lenders declined it after the application had already gone in.
She checked the condo questionnaire before we spent a dollar on an appraisal. That is apparently unusual and I do not understand why.
Placed with a portfolio lender who holds the loan.
A couple refinancing 19 years into a 30-year loan, quoted a new 30-year by their bank. The payment dropped and the total interest went up by more than the closing costs.
She showed us the same loan over 15 years and we saw it in about four seconds. Our own bank had not mentioned it.
15-year term, same payoff decade.
A four-unit in Central Falls that failed the self-sufficiency test on the seller’s stated rents but passed on the appraiser’s rent schedule. The difference was found in week one, not week five.
The whole thing hinged on a document I had never heard of. She had already ordered it.
Closed 38 days after the offer.
1 of 5
The same five, as cards
A Tuesday in March
A buyer had an accepted offer on a three-decker in the Armory District and a pre-approval from an online lender that had not looked at the rents. Three days before the appraisal it came back short on income.
She rebuilt the file around the rent schedule on a Sunday and told me exactly what would go wrong before it went wrong. Nobody had done that in five months of looking.
Closed on the original date.
A Thursday in September
A ceramicist with eleven years of Schedule C income and an accountant who had been doing an excellent job of minimising it. On paper she qualified for about half of what she could comfortably afford.
She explained the difference between what my returns say and what my business actually does, and then found a lender who reads it the second way.
Bank-statement program, 12 months of deposits.
A Monday in June
A mill conversion on the Woonasquatucket where the association had 41% investor ownership and one owner holding six units. Two lenders declined it after the application had already gone in.
She checked the condo questionnaire before we spent a dollar on an appraisal. That is apparently unusual and I do not understand why.
Placed with a portfolio lender who holds the loan.
A Wednesday in January
A couple refinancing 19 years into a 30-year loan, quoted a new 30-year by their bank. The payment dropped and the total interest went up by more than the closing costs.
She showed us the same loan over 15 years and we saw it in about four seconds. Our own bank had not mentioned it.
15-year term, same payoff decade.
A Friday in November
A four-unit in Central Falls that failed the self-sufficiency test on the seller’s stated rents but passed on the appraiser’s rent schedule. The difference was found in week one, not week five.
The whole thing hinged on a document I had never heard of. She had already ordered it.
Closed 38 days after the offer.
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