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MAKING PAYMENTS
Telephone: 469-402-1200 Tollfree: 866-912-7511 950 W Bethany Drive, Suite 800, Allen, TX 75013 NMLS #134871FIND A LOAN OFFICER
1003 Mortgage Application Form AKA URLA (Uniform Residential Loan Application) This is the industry standard form used by nearly all mortgage lenders in the U.S. A borrow who wants to apply for a mortgage must complete this basic form or its equivalent.BILL CALDER
Bill Calder – Branch Manager, NMLS #91788. Your Family. Your Future. Our Focus. I am a passionate and dedicated mortgage professional. Almost all of my business is referred to me from satisfied customers and realtor/builder referral partners. I have been in the mortgage business my entire career and been fortunate to help thousands ofGRAHAM PARHAM
Our Focus. Graham W. Parham has been a Mortgage Loan Officer for over 18 years with 25 years in sales and marketing. He is a leader of financial expertise in the North Texas residential real estate market, developing a significant following among homebuyers and investors. Known and respected industry-wide, Grahams production consistentlyranks
BLAIR THOMAS
Blair Thomas – Loan Officer NMLS #1218915. Your Family. Your Future. Our Focus. Since leaving the US Army in 1990, Blair has been serving and helping people. With an extensive customer service background along with integrity, strong work ethic and a personal desire to see others succeed in their dreams, Blair helps you to succeed in buying aMICHELEE BARTOLO
Michelee Bartolo – Senior Loan Officer. 713-443-3520. 12243 Queenston Blvd. Suite D. Houston, TX 77095. DOWNLOAD MY APP.JENNIFER LANGHOVER
Jennifer J. Langhover- Branch Manager, NMLS #266495. Your Family. Your Future. Our Focus. Jennifer Langhover started her career as a Real Estate Assistant at Lindsey and Associates in Rogers Arkansas, but she found her perfect fit in 1999 when she started processing loans at Cornerstone Mortgage Group. In 2003, she purchased the business as her TINA OLIVE | HIGHLANDS RESIDENTIAL MORTGAGE Tina Olive- Loan Officer, NMLS #233994. Your Family. Your Future. Our Focus. Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. ALLREGS ONLINE AUTHENTICATION PAGE ICE Mortgage Technology is the leading cloud-based platform provider for the mortgage finance industry. Our technology solutions enable lenders to originate more loans, reduce origination costs, and shorten the time to close, all while ensuring the highest levels of compliance, quality and efficiency. HIGHLANDS RESIDENTIAL MORTGAGEHIGHLANDS GIVES BACKHIGHLANDS MISSIONCAREERSSUBMIT A COMPLAINTFIND A LOAN OFFICEROUR STORY Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that theMAKING PAYMENTS
Telephone: 469-402-1200 Tollfree: 866-912-7511 950 W Bethany Drive, Suite 800, Allen, TX 75013 NMLS #134871FIND A LOAN OFFICER
1003 Mortgage Application Form AKA URLA (Uniform Residential Loan Application) This is the industry standard form used by nearly all mortgage lenders in the U.S. A borrow who wants to apply for a mortgage must complete this basic form or its equivalent.BILL CALDER
Bill Calder – Branch Manager, NMLS #91788. Your Family. Your Future. Our Focus. I am a passionate and dedicated mortgage professional. Almost all of my business is referred to me from satisfied customers and realtor/builder referral partners. I have been in the mortgage business my entire career and been fortunate to help thousands ofGRAHAM PARHAM
Our Focus. Graham W. Parham has been a Mortgage Loan Officer for over 18 years with 25 years in sales and marketing. He is a leader of financial expertise in the North Texas residential real estate market, developing a significant following among homebuyers and investors. Known and respected industry-wide, Grahams production consistentlyranks
BLAIR THOMAS
Blair Thomas – Loan Officer NMLS #1218915. Your Family. Your Future. Our Focus. Since leaving the US Army in 1990, Blair has been serving and helping people. With an extensive customer service background along with integrity, strong work ethic and a personal desire to see others succeed in their dreams, Blair helps you to succeed in buying aMICHELEE BARTOLO
Michelee Bartolo – Senior Loan Officer. 713-443-3520. 12243 Queenston Blvd. Suite D. Houston, TX 77095. DOWNLOAD MY APP.JENNIFER LANGHOVER
Jennifer J. Langhover- Branch Manager, NMLS #266495. Your Family. Your Future. Our Focus. Jennifer Langhover started her career as a Real Estate Assistant at Lindsey and Associates in Rogers Arkansas, but she found her perfect fit in 1999 when she started processing loans at Cornerstone Mortgage Group. In 2003, she purchased the business as her TINA OLIVE | HIGHLANDS RESIDENTIAL MORTGAGE Tina Olive- Loan Officer, NMLS #233994. Your Family. Your Future. Our Focus. Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. ALLREGS ONLINE AUTHENTICATION PAGE ICE Mortgage Technology is the leading cloud-based platform provider for the mortgage finance industry. Our technology solutions enable lenders to originate more loans, reduce origination costs, and shorten the time to close, all while ensuring the highest levels of compliance, quality and efficiency. CAREERS | HIGHLANDS RESIDENTIAL MORTGAGE Our mortgage professionals and referral partners can’t make home loans possible without the strong support of our people. At Highlands Residential Mortgage, we are always looking for talented individuals to join our team of processors, underwriters, closers, and compliance staff. For more information contact: careers@highlandsmortgage.com. HIGHLANDS GIVES BACK Highlands Residential Mortgage has embraced Interfaith Family Services as one of its primary charities. Interfaith Housing Coalition is a faith-based agency whose mission is to “be the hands of Christ” helping families transition to self-sufficiency and new hope.FAQS – PAYMENTS
Telephone: 469-402-1200 Tollfree: 866-912-7511 950 W Bethany Drive, Suite 800, Allen, TX 75013 NMLS #134871GRAHAM PARHAM
Our Focus. Graham W. Parham has been a Mortgage Loan Officer for over 18 years with 25 years in sales and marketing. He is a leader of financial expertise in the North Texas residential real estate market, developing a significant following among homebuyers and investors. Known and respected industry-wide, Grahams production consistentlyranks
DAVID KRAUSE
David Krause – Sr. Loan Officer, NMLS #143768. Your Family. Your Future. Our Focus. David is a Sr Loan Office with Highlands Residential. We are a mortgage banking firm with over a billion dollars each year in mortgage loan origination. We are big enough to support, yet personal & local to personally serve. I have had awonderful 20 year
TISH ASHLEY
MEET YOUR LOAN TEAM. Your Family. Your Future. Our Focus. The Tish Ashley Team is committed to excellence in meeting the needs of our clients. We take the mystery out of the mortgage process by creating a customized series of financing options tailored to each client’s individual financial goals to ensure that every customer ends up with a cost-effective loan mirroring their overall TINA OLIVE | HIGHLANDS RESIDENTIAL MORTGAGE Tina Olive- Loan Officer, NMLS #233994. Your Family. Your Future. Our Focus. Thank you for visiting my page! Here at Highlands, we work every day to deliver the best customer service and quality loan experience for our clients. Contact me directly using the info above, or please feel free to review and use our resources below. 2035606953 | HIGHLANDS RESIDENTIAL MORTGAGE Telephone: 469-402-1200 Tollfree: 866-912-7511 950 W Bethany Drive, Suite 800, Allen, TX 75013 NMLS #134871CHERI ZABERER
Cheri Zaberer- Sr. Loan Officer, NMLS #1211563. Your Family. Your Future. Our Focus. With several years in the mortgage industry I have learned that knowledge, commitment and caring are what it takes to be a trusted advisor. It is knowing and doing the right thing, regardless. I’m committed to taking responsibility to ensure youhave a smooth
MELISSA HOOVER
Melissa Hoover is a top-performing Mortgage professional and the Branch Manager for Highlands Residential Mortgage. Working with a core group of Realtors and referrals from delighted clients, she provides both deep knowledge of the Mortgage industry and process and impeccable service for flawless results. Her career, which has spannedover 20
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* Highlands Residential Mortgage AwardsOUR STORY
Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands Residential Mortgage is such a place. Our Mission to value people drives everything we do.READ MORE
OUR VISION
We have the vision to be the world’s most respected mortgage brand. To accomplish this, we have created a culture that supports our team members, so they can deliver unmatched service and products to our customers and industry partners, while fulfilling the American Dreamof homeownership.
READ MORE
THE RIGHT LOAN FOR YOU__
PURCHASE
Looking to purchase a new home? We’ve got multiple options that put homebuyers in a loan that fits.VIEW LOANS
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REFINANCE
Looking for lower rates or do you want to take advantage of yourequity?
VIEW LOANS
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HOMEBUYERS GUIDE
Advice from the pros on the do’s and don’ts of the mortgage process. Check out our homebuyers guide.HOMEBUYERS GUIDE
WHY HIGHLANDS RESIDENTIAL MORTGAGE, LTD.? Melissa From HendersonvilleSays:
“BIG KUDOS TO THE TEAM AT HIGHLANDS RESIDENTIAL MORTGAGE……IT AMAZES ME THAT I HAVE FINALLY FOUND A COMPANY THAT ACTUALLY GETSIT.”
Graham from Dallas
Says:
“THE SUPPORT WE GET FROM TOP MANAGEMENT ALL THE WAY DOWN IS UNMATCHED COMPARED TO ALL OF THE COMPANIES I HAVE WORKED FOR. THIS COMPANY ALLOWS ME TO EXPAND MY WINGS AND GROW MY BUSINESS WITHOUT HAVING TO DEAL WITH COMPANY POLITICS. DO US ALL A BIG FAVOR WHILE GROWING THE COMPANY, DON’T CHANGE A THING!”Rick from Plano
Says:
“HIGHLANDS HAS THE BEST LOAN OFFICER FRIENDLY ORIGINATION PLATFORM IN THE BUSINESS! FROM THE TOP DOWN, THE LEADERSHIP IS “WHO’S WHO” IN THE DFW LENDING MARKET. OUR MOTTO IS CLOSING “ON TIME, EVERY TIME… AND WE MEAN IT!”Anthony from Allen
Says:
“HIGHLANDS SETS ITSELF APART BY HAVING THE ABILITY TO CLOSE LOANS. I COULD GO ON ABOUT THE CULTURE AND THE PEOPLE WHICH ARE ALL AMAZING BUT BOTTOM LINE – HIGHLANDS CAN CLOSE LOANS… PLAIN AND SIMPLE.”Kurt from Dallas
Says:
“I LOVE THAT EVERYONE AT HIGHLANDS IS COMMITTED TO CLOSING ON TIME – EVERY TIME AND THE AMAZING RESPONSIVENESS THAT HELPS MAKE THATHAPPEN.”
Rosa From Dallas
Says:
“I’D LIKE TO THANK YOU GUYS FOR MAKING MY FIRST LOAN WITH HIGHLANDS GO SO SMOOTH.ONE DOWN AND AN INFINITE NUMBER TO GO. YOU GUYS HAVE BEEN A PLEASURE TO WORK WITH AND I LOVED THE COMMUNICATION ON THEFILE.”
Julie From NashvilleSays:
“THANKS SO MUCH FOR MAKING ME LOOK GOOD AND HELPING ME WIN OVER ANOTHER NEW AGENT!” Melissa From HendersonvilleSays:
“BIG KUDOS TO THE TEAM AT HIGHLANDS RESIDENTIAL MORTGAGE……IT AMAZES ME THAT I HAVE FINALLY FOUND A COMPANY THAT ACTUALLY GETSIT.”
Graham from Dallas
Says:
“THE SUPPORT WE GET FROM TOP MANAGEMENT ALL THE WAY DOWN IS UNMATCHED COMPARED TO ALL OF THE COMPANIES I HAVE WORKED FOR. THIS COMPANY ALLOWS ME TO EXPAND MY WINGS AND GROW MY BUSINESS WITHOUT HAVING TO DEAL WITH COMPANY POLITICS. DO US ALL A BIG FAVOR WHILE GROWING THE COMPANY, DON’T CHANGE A THING!”__
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JOIN OUR TEAM! WE'RE HIRING. Careers at Highlands Residential Mortgage, Ltd. __ HIGHLANDS RESIDENTIAL MORTGAGE, LTD. IN THE NEWS*
TIM BARTOSH JOINS HIGHLANDS RESIDENTIAL MORTGAGE EXECUTIVE PRODUCTIONLEADERSHIP TEAM!
May 3, 2021
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SMU DALLAS 100
March 8, 2021
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BEST MORTGAGE COMPANY TO WORK FOR 2021March 3, 2021
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HIGHLANDS RESIDENTIAL MORTGAGE HONORED BY THE CITY OF ALLEN!February 18, 2021
WORK FOR THE BEST
VOTED TOP 100 PLACES TO WORK IN DFWJOIN OUR TEAM
CONSUMER RESOURCES
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www.NMLSCONSUMERACCESS.org CONTACT HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Telephone: 469-402-1200 Tollfree: 866-912-7511 950 W Bethany Drive, Suite 800, Allen, TX 75013NMLS #134871
AN EQUAL HOUSING LENDER Highlands Residential Mortgage, Ltd. is an Equal Housing Lender.* __
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Copyright © 2020 Highlands Residential Mortgage, Ltd. | NMLS# 134871×
CYBER SAFETY TIPS
When looking for home loan financing, it more important than ever to be cautious and aware of possible scams. Here are some helpful tips for safeguarding your finances and identity during the loan process and in any other transaction.SEND SECURELY
In loan transactions, you will often get requests for supporting documentation. This usually includes documents that reflect your date of birth, full name, and often – your social security number. Always be sure that when you share your documents – it is done securely! Highlands Residential Mortgage provides an easy-to-use secure portal for submitting documents. If you must email, please encrypt those documents and verbally provide the key to your LoanOfficer.
CONFIRM THE SOURCE
If someone asks you for information and you don’t know who they are or why they are asking for it – call your Loan Officer! They can tell you all the players associated with your loan and whether it is a legitimate ask. If your Loan Officer is unavailable, contact our Highlands Residential Mortgage Corporate line and we will put you in touch with the right person to help! Always ask! DON’T SEND FUNDS WITHOUT CHECKING! Scammers aggressively target the real estate market and go after unsuspecting borrowers. If someone emails you asking for funds to be wired for your closing – ALWAYS confirm with your Loan Officer. We have seen instances where scammers send emails that LOOK like they are from the title company, but really aren’t! It’s very hard, if not impossible, to get those funds back. Check and double check before sending any funds for closing!×
HIGHLANDS MOBILE APP When working through a process, we often instinctively know that “this should be easier.” Finding a way to simplify your experience AND provide more transparency is our goal! With our new Highlands Residential Mortgage App for iOS and Android, you get everything you need to manage the home loan process. APPLY FOR YOUR LOAN: Right from your phone, you can complete and submit a loan application in 5-10 minutes! SHARE DOCUMENTS SECURELY: Your app also works as a secure document scanner. You can effortlessly capture clear, legible images of your documents and submit them through the secure app. Worried about security? The app’s encryption is SOC 2 Secure and Compliant — safer than sending emails! STAY UPDATED ON YOUR LOAN PROGRESS: The mobile app includes push notifications and a visual timeline that allows you to stay on top of the loan process. You won’t have to wonder what’s next – the app shows you the roadmap! To get the app, head to Apple’s App Store or Google Play Store on your phone and search for “Highlands Residential Mortgage” and choose your loan officer. Let me know if you have any questions!×
MORTGAGE GLOSSARY
1003 MORTGAGE APPLICATION FORM AKA URLA (Uniform Residential Loan Application) This is the industry standard form used by nearly all mortgage lenders in the U.S. A borrow who wants to apply for a mortgage must complete this basic form or its equivalent. ADJUSTABLE RATE MORTGAGE (ARM) This is a mortgage in which the interest rate is adjusted periodically based on a pre-selected index. They’re sometimes known as a variable rate mortgage.AMORTIZATION
The process of paying off a debt with periodic payments. You can request an amortization schedule that would reflect the mortgage loan payment divided into equal periodic payments. This includes accrued interest calculated to pay off the debt at the end of a fixed period on the outstanding balance. ANNUAL PERCENTAGE RATE (APR) The measurement of the full cost of a loan including interest and loan fees expressed as a yearly percentage rate. Because all lenders apply the same rules in calculating the annual percentage rate, it provides consumers with a good basis for comparing the cost of different loans.APPRAISAL
An estimate of the value of property made by a qualified professional called an appraiser based on his or her knowledge, experience, and analysis of the property.BUYER’S AGENT
This is a real estate agent who represents only the buyer of a property in a real estate transaction. This type of agent agrees to exclusively represent the best interest of the buyer, usually under aformal contract.
CERTIFICATE OF ELIGIBILITY The document provided to qualified veterans that entitles them to VA guaranteed loans for homes and mobile homes. Obtain certificates of eligibility by sending form DD-214 (report of separation ) to the local VA office with VA form 1880 (Request for Certificate ofEligibility).
CLOSING
Also referred to as completion or settlement, closing is the final step in executing a real estate transaction. The closing date is set during the negotiation phase and tends to take place several weeks after the formal acceptance of the offer. On the closing date, the ownership of the property transfers to the buyer.CLOSING COSTS
Expenses over and above the price of the property that buyers and sellers incur when transferring property ownership. Closing costs normally include an origination fee, property taxes, charges for title insurance and escrow costs, appraisal fees, etc. Closing costs vary according to the location of the property and the lenderused.
CLOSING DISCLOSURE
A five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs like closing costs to get your mortgage. CONTRACT SALE OR DEED A contract between the purchaser and a seller of real estate to transfer title after meeting certain conditions. It is a form of theinstallment sale.
CONVENTIONAL LOAN
A mortgage not insured by FHA or guaranteed by VA.CREDIT REPORT
A report documenting the credit history and the status of a borrower’s credit standing. DEBT-TO-INCOME RATIO The ratio expressed as a percentage based on the borrower’s monthly payment obligation on long-term debts divided by his or her grossmonthly income.
DEED OF TRUST
In many states, this document is used in place of a mortgage to secure the payment of a note.DEFAULT
Failure to meet legal obligations in a contract such as the failure to make the monthly payments on a mortgage. DEPARTMENT OF VETERANS AFFAIRS (VA) An independent agency of the federal government that guarantees long-term low-or-no-down payment mortgages to eligible veterans.DOWN PAYMENT
Money paid to make up the difference between the purchase price and the mortgage amount.EARNEST MONEY
Money that the buyer gives to a seller as part of the purchase price to bind a transaction or assure payment.EQUITY
Also referred to as the owner’s interest, equity is the difference between the fair market value and current indebtedness. The value an owner has in real estate over and above the obligation against theproperty.
ESCROW
A situation in which a third party, acting as the agent for the buyer and the seller, carries out the instructions of both and assumes the responsibilities of handling all the paperwork and disbursement of funds at settlement or at closing.ESCROW AGENT
A person or entity that holds property in trust for third parties while finalizing a transaction or resolving a disagreement. An attorney or a notary in civil law jurisdictions often plays the role of an escrow agent. FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA) ALSO KNOWN AS “FANNIEMAE”
A government-sponsored entity that purchases and sells conventional residential mortgages as well as those insured by FHA or guaranteed byVA.
FIXED-RATE MORTGAGE
The mortgage interest rate will remain the same on these mortgages throughout the term of the mortgage for the original borrower.FHA LOAN
A loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately priced homes almost anywhere in the country. FEDERAL HOME LOAN MORTGAGE CORPORATION (FHLMC) Also known as Freddie Mac, this provides a secondary market for savings and loans by purchasing their conventional mortgage loans. HOA OR HOMEOWNERS ASSOCIATION An organization of homeowners residing within a neighborhood whose major purpose is to maintain and provide community facilities and services for the residents’ enjoyment. HOMEOWNER’S INSURANCE POLICY An insurance policy available to owners of private residents that covers the home and contents in the case of fire, wind damage, theft, and personal liability. The typical policy does not include flood or earthquake coverage.INTEREST
The fee charged for borrowing money.INVESTOR
An entity that provides loan programs or acts as a money source for alender.
LOAN ESTIMATE
A three-page form that you receive after applying for a mortgage. The loan estimate tells you important details about the loan you have requested. The form provides important information including the estimated interest rate, monthly payment, and total closing costs for the loan. LOAN-TO-VALUE RATIO (LTV) The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage. MORTGAGE INSURANCE (MI) Cost of insuring the mortgage when the down payment is less than 20percent.
ORIGINATION FEE
What the lender charges the borrower for making the mortgage loan. This is generally a percentage of the loan amount. POINTS (Loan Discount Points) Prepaid interest assessed at closing by the lender. Each point is equal to 1 percent of the loan amount. (For example, two points on a $100,000 mortgage equals $2,000).PRIMARY RESIDENCE
A place where a person lives that becomes the legal residence for income tax purposes.PRINCIPAL
Mortgage principal is the amount borrowed from the lender minus the amounts repaid to the lender that reduce the principal. As the borrower makes monthly mortgage payments, the mortgageprincipal shrinks.
TITLE
A document that gives evidence of a person’s ownership of property.TITLE INSURANCE
A policy usually issued by a title insurance company to protect a home buyer against errors during the title search. The cost of the policy is usually a function of the value of the property that the purchaser and/or seller pay. Policies are also available to protect the lender’s interests.UNDERWRITING
The decision whether to make a loan to a potential home buyer based on credit, employment, assets, and other factors. The decision is matched against overall risk and the details of the loan including rate, term,and loan amount.
USDA LOAN
A zero-down-payment mortgage for eligible rural and suburban homebuyers. The U.S. Department of Agriculture’s USDA loan program — USDA Rural Development Guaranteed Housing Loan Program — typically issues these loans.VA LOAN
A loan guaranteed by the Department of Veterans Affairs. It’s restricted to veterans, military members, and qualified survivingspouses.
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THE MORTGAGE PROCESS The mortgage process doesn’t have to be over-complicated! Our team of seasoned loan professionals will guide you through every step of the process. Here’s a general roadmap of what to expect when purchasing or refinancing. If you have any questions – please reach and ask! I am here to help you understand these steps.×
MORTGAGE CHECKLIST
Use this checklist to make sure you have everything you need before you begin your loan application. Having all necessary documentation up front saves time so your loan can close smoothly and quickly.LOAN CHECKLIST
* W-2 forms (previous 2 years) * Pay stubs (2 most recent) * If self-employed-Two years signed tax returns with all schedules &YTD profit & loss
* Employer name & address ( 2 year history) * Bank Accounts(s) Statements (recent 2 months) * Statements for 401(k)s,stocks, other investments (most recent) * Photo identification (valid Driver’s License or Passport) * Letter of explanation (signed and dated) of any large deposits other than normal payroll into accounts. * Letter of explanation (signed and dated) of any inquiries oncredit report.
* If selling your current home – Contract for home being sold * For eligible Active Military and Veterans- DD214 & Certificate ofEligibility
* Divorce Decree and Separation Agreement (if applicable). * Additional items below for home purchase and refinancerequirements.
HOME PURCHASE CHECKLIST * New home Sales Agreement, specifications, plans, and/or legaldescription
* Copy of Earnest Money Check * First time home buyers– Landlord name & address for previous 2years
REFINANCE CHECKLIST
* Copy of current deed * Most recent State property tax bill or receipt * Mortgage Statement * Insurance Declaration Page * Survey (if applicable)×
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