About Us
I have been in Real Estate and Finance since 1981 in the Grass Valley Area.
How We Got Started
I started with American Pacific Mortgage as a Branch Manager in 2002. I left the company for a short period of time and returned recently. So glad to be home. We are a direct lender for FHA, VA, USDA and conventional loans. As a Mortgage Banker, we offer a product mix that is hard to beat. Our rates are very competitive.
Recommendations Received (6)
"Coleen gently guided me through the mortgage process. She was willing to answer my many..."
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"Coleen gently guided me through the mortgage process. She was willing to answer my many questions with clarity. She goes above and beyond to prioritize her clients interest and needs. She is a real find!"
"Coleen makes it easy ."
Recent Activity
I'm not sure what GST is. Could you explain. I have asked corporate and they don't know as well. Colleen Wilcox
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I'm not sure what GST is. Could you explain. I have asked corporate and they don't know as well. Colleen Wilcox
Our company does training. American Pacific Mortgage. It would be prudent to team up with a seasoned Loan Officer. I am teaching two people (family members) my business so they can help. You will learn more from a seasoned LO than going to a class. This is a complicated business so having...
(more)
Our company does training. American Pacific Mortgage. It would be prudent to team up with a seasoned Loan Officer. I am teaching two people (family members) my business so they can help. You will learn more from a seasoned LO than going to a class. This is a complicated business so having someone to run things by would help tremendously. Do you have a Scenarios Desk at your company? Scenarios Desk help me with changes in underwriting guidelines.
I believe in the old fashioned way of doing business (face to face). There is something that is lost in the connection when you are not in contact with your clients. I am a local lender. I like to meet my clients and make a connection with them. I'd say 98% of the time it works. The other 2%...
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I believe in the old fashioned way of doing business (face to face). There is something that is lost in the connection when you are not in contact with your clients. I am a local lender. I like to meet my clients and make a connection with them. I'd say 98% of the time it works. The other 2% prefer internet lenders. Colleen Wilcox/Sr. Loan Officer
Not really. Mortgage rates are moving up because the economy is doing so well. It was inevitable. As people adjust to the higher rates, business will adjust and so will the buyers. First time home buyer's are more affected by rates but FHA, VA and USDA have lower rates than conventional. ...
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Not really. Mortgage rates are moving up because the economy is doing so well. It was inevitable. As people adjust to the higher rates, business will adjust and so will the buyers. First time home buyer's are more affected by rates but FHA, VA and USDA have lower rates than conventional. There is Mortgage Insurance with FHA and USDA but the lower rates are an offsetting factor.
We are a correspondent lender so we can get an approval, draw docs and close all in the same day. Loan approval is contingent upon getting correct information to the lender. Sometimes, clients are not upfront about their problems and we find out once the loan is submitted. If would surely help...
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We are a correspondent lender so we can get an approval, draw docs and close all in the same day. Loan approval is contingent upon getting correct information to the lender. Sometimes, clients are not upfront about their problems and we find out once the loan is submitted. If would surely help if we had this information right from the beginning so we can fix whatever the problem is before submitting to the lender. Some things are fixable and some are not but it would help to structure the loan with all the information.
WOW your clients with excellent service. Be available to answer their questions. I receive questions on weekends. I think being available to answer simple questions or to soothe someone's fears, makes you stand out above the rest.
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WOW your clients with excellent service. Be available to answer their questions. I receive questions on weekends. I think being available to answer simple questions or to soothe someone's fears, makes you stand out above the rest.
I had an established loan business but when I decided to start my own Branch, it was a wake up call. You are responsible for a lot of things. I was overwhelmed at the beginning but soon realized that being my own boss was perfect for me. Although I had been under other's umbrella, my own brand...
(more)
I had an established loan business but when I decided to start my own Branch, it was a wake up call. You are responsible for a lot of things. I was overwhelmed at the beginning but soon realized that being my own boss was perfect for me. Although I had been under other's umbrella, my own brand had followed me and I was successful right from the beginning. Have faith in yourself and you will excel. Remembering you have all the tools in your belt to be successful is key to feeling empowered to do your own thing. Congratulations on your new adventure.
We do commercial and SBA loans so the answer is easy. Take the loan application. Colleen Wilcox/Northern California Mortgage
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We do commercial and SBA loans so the answer is easy. Take the loan application. Colleen Wilcox/Northern California Mortgage
That was a very creative answer. Can't beat that. I have 41 years in the Real Estate and Mortgage business (ya..... I'm old) but it helps to understand the entire process when originating a loan.
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That was a very creative answer. Can't beat that. I have 41 years in the Real Estate and Mortgage business (ya..... I'm old) but it helps to understand the entire process when originating a loan.
