Borrow Smart Team NMLS #267184 Licensed Branch Manager
Main Number: (949) 252-8100
17300 Red Hill Avenue #100
Irvine, CA. 92614
After graduating from the University of Southern California, Jeff began his career in the commercial Real Estate industry selling apartments, shopping centers and industrial complexes for Marcus in Millichap, a national commercial real estate brokerage firm that specializes in real estate investment services. His interest in real estate and mortgage financing led him into the mortgage field where he worked for several large banks and mortgage bankers before he started his own company Crown American Capital. In 2008 Jeff accepted a position as branch manager of the Irvine office of Envoy Mortgage, a direct lender that specializes in residential mortgages with a focus on purchase transactions using the FHA, Veterans, and other loan programs that offer buyers lower down payment opportunities.
Jeff understands that buying a home is one of the biggest financial decisions most people will make in their lifetime. That is why it is so crucial to make sure that each homeowner is in the right loan for their particular financial situation. We have all heard and been told that we need to manage our investment assets, but it is equally true that we need to manage our liabilities (debts) as well. The different debt structures we can choose from in our lives can and do have a huge effect on our net wealth over time.
When looking at the amount of debt and the type of debt Americans carry, we see that we are not afraid to borrow money. However, it could be argued that our borrowing is not always smart borrowing. Many times we are so focused on funding today’s lifestyle that our lifestyle for tomorrow is getting short changed.
Jeff is a founding faculty member of the National Institute of Financial Education, a 501c3 non-profit organization dedicated to unbiased consumer education. NIFE seeks out exceptional leaders, educators, and professionals to donate their time as Faculty members – sharing personal experience about Real Estate, Investing and Borrowing.
In addition, Jeff is co-author of the book Borrow Smart Retire Rich.
Your home loan process begins by setting up an appointment with a loan consultant. The meeting can be done over the phone, in person, or via electronic loan application on our web site. At this meeting your loan consultant will answer any of the questions you have regarding the home loan options avail- able to you. Your loan consultant will need to ask you questions during this time in order to complete
your loan application. Options like locking or floating a rate will be discussed as this time.