Shawn Carvin is a senior mortgage banker with Pacific Lending, LLC in Torrance, California. As a Fannie Mae, Freddie Mac, FHA, and VA mortgage lender, Pacific Lending offers the most competitive interest rates available in the Greater Los Angeles market. Shawn handles all types of residential mortgages, mortgage refinancing, and reverse mortgages for home buyers with all credit and income profiles, including jumbo loans of up to $2 million.
One of Shawn's specialties is working with clients who are underserved, overlooked, or even outright dismissed by traditional banks and other large lenders. Most lenders have tightened their underwriting requirements to cherry-pick only the lowest-risk borrowers. This has left many worthwhile home buyers with what mainstream lenders consider unacceptable risks - 'average' credit, income challenges, self-employment - standing on the sidelines.
One of Shawn's specialties is working with clients who are underserved, overlooked, or even outright dismissed by traditional banks and other large lenders. Most lenders have tightened their underwriting requirements to cherry-pick only the lowest-risk borrowers. This has left many worthwhile home buyers with what mainstream lenders consider unacceptable risks - 'average' credit, income challenges, self-employment - standing on the sidelines.
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Shawn Carvin has been in the financial industry for nearly 30 years, more than half of that time spent in the mortgage industry. Shawn has been licensed in, and closed loans in more than 25 states, and owned his own lending companies for 8 years. Currently, he is federally (NMLS) and California licensed.
You'll speak directly with an experienced mortgage professional, not a call center operator. A mortgage pre-approval will let you know how much home you can afford, and give both you and home sellers the confidence that you are a qualified buyer. Shawn will quickly gather the information needed to qualify you for a mortgage and get you an answer in just minutes.
Shawn Carvin handles conventional, VA, and FHA residential mortgage loans and refinancing for home buyers with all credit and income profiles, including jumbo loans of up to $2 million. With nearly 20 years of experience in the mortgage industry, Shawn is an expert loan officer who works tenaciously to get his clients' home loans funded as quickly and smoothly as possible.
Conventional mortgages are not guaranteed or insured by the federal government, which translates to a higher risk for the lender and more stringent credit history and debt-to-income ratio requirements for home buyers. But for buyers who qualify, these loans frequently offer the lowest available interest rates.
FHA mortgages are insured by the Federal Housing Authority (FHA). The FHA does not loan money to home buyers, but stands behind lenders who offer these loans, protecting the lender from losses if the borrower defaults on the loan. FHA mortgages are relatively easy to qualify for, making FHA loans particularly attractive for first-time home buyers, buyers with modest down payments, and people with less-than-perfect credit.
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