Letrusia May
VP of Mortgage Lending

Many in my Community may remember me as a Real Estate Agent, but my first job in Real-estate was as a sales assistant in the Mortgage Industry and after assisting with many loans getting to closing, I immediately appreciated the Mortgage loan process and what it meant to Borrowers. Rather they were purchasing their first Home, 2nd Home, Investment property, refinancing for Cash out purposes to complete property renovations and or to fund a business or a dream. I have had the opportunity to assist many clients with achieving what some call the "American Dream". This has been one of the most rewarding professions for me, hearing the excitement in my borrower’s voices after I advise them that their loan is ‘Clear to Close’ or CTC as we call it in the Mortgage industry. My goal is to have as many soon to be homeowners’ hopefuls hear those words. This goal keeps me working hard on every single loan.

Having over twenty-five years in this industry, I am well-seasoned in many areas of Real Estate. I’ve seen and I have been a victim of horrible customer service during an already very stressful time. I understand that a Real-estate Purchase is one of the biggest purchases that someone can make in their lifetime. It is my Goal to make sure that my clients have the best experience that they can have while achieving their goal of Homeownership or going through the refinance process, therefore I pride myself on treating each customer how I would want to be treated, every client is VIP. This means providing world class customer service, making phone calls, answering and or returning all calls. I prepare my borrowers by advising them on what to expect from beginning to end. I answer each question that they have throughout the process.

While working on Pre-Approvals I make sure every door has been opened before I allow a door to be closed on a possible loan for my clients. I am well versed in all Guidelines this allows me to advise you on your loans before they get to underwriting. This means no surprises due to your income and or credit, this means you make it to the closing table and to all my Real Estate Agent Partners this means that I stand by every Pre-Approval that I issue!

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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.