ProVisor Classroom
Rob Miller, CMHS MLOP
Branch Manager / Senior Loan Officer NMLS# 239865
Branch Manager / Senior Loan Officer NMLS# 239865
ProVisor provides transparent mortgage solutions. Our solutions strive to build the best loan programs to ensure financial success.
Rob brings extensive experience and a deep knowledge that greatly enhances his ability to assist clients. With a career spanning over 18 years in the ever-evolving mortgage industry, Rob has adeptly guided countless first-time homebuyers, making the entire home financing process feel less like juggling flaming chainsaws and more like a laid-back Saturday beach day. Whether you're trying to crack the mortgage mystery or just figuring out how to hack your way to building that net worth, Rob's got you covered with a smile and a wealth of savvy tips.
His approach is distinctive, combining in-depth market knowledge with a warm, personal touch, ensuring that each client receives advice that is not only expert but also uniquely tailored to their specific circumstances and aspirations. Rob is committed to creating an environment where clients are both empowered and well-informed at every stage of the process..
But Rob's expertise doesn't stop with mortgages alone. He is also well-versed in real estate trends, a critical aspect that allows him to provide in-depth guidance far beyond mortgage details. This comprehensive understanding enables him to offer insights and strategic advice on the entire homebuying journey and how market fluctuations can impact a buyer's decisions over time. Rob's goal is to ensure that every client achieves their dream of homeownership with confidence and clarity, backed by a comprehensive strategy customized to fit their specific needs. His dedication to his clients and his commitment to continuous learning make him a standout expert in his field, and a trusted partner for anyone stepping into the world of homebuying.
Veteran’s Administration or “VA” loans are available for active, non-active, and retired Army, Air Force, Marine, Navy, National Guard, and Coast Guard vets who meet the established service requirements. The most notable features and benefits for those who qualify are: 100% financing/No down payment No monthly mortgage insurance (PMI) Gift funds acceptable for closing costs
DO: Availability – Keep your financial records close at hand in case updates are requested. Income – Be aware that underwriters typically verify your income and tax documents through your employer, CPA, and/or IRS tax transcripts. Hold onto new pay stubs as received. Assets – Continue saving incoming account statements. Keep all numbered pages of
The Automatic Payment Trap It can take up to two weeks to have automatic payments canceled. If your payments are made this way be sure to turn it off before closing. You don’t want to pay for the same month twice! The Missed or Late Payment Trap Believe it or not, lots of people think
The “Experts” Say… By ProVisor “Rates need to be 2% lower to justify refinancing.” Ever hear something like this and take it at face value? In the mortgage business, we hear recitals of old rules all the time. They often come from so-called experts, but frankly, there are times when their advice could lead you
Credit Score By ProVisor Understanding the makeup of your credit score is the first step toward managing and improving it. As you might expect, payment history is the most influential component in your credit score, followed closely by the amounts you owe. To lesser degrees, the length of time you’ve utilized credit, the number of new accounts
