eMortgageCT.com
SNMC offers a full line of first mortgage products for residential real estate.
Carmine Pellegrino, Loan Officer - CT
I have been personally licensed since November of 1990 as a Connecticut mortgage loan originator. I am very proud to say the vast majority of my friends today all started out as customers. Nothing makes me feel more pride than my son's homerun or when a customer calls back to say "Carmine I need you again." I could never understand how the most important transaction in your life could go to a faceless name at the end of the phone. Don't let that happen to you. The secret to our success is really no secret at all, we respond quickly, we understand completely and we treat everyone like famly. Please don't hesitate to contact me anytime day or night, it would be my pleasure to assist.
" Dear Carmine,
Thanks for our home. You guys are the best. "
Todd & Kathy Boson
"Dear Carmine,
Thank you for fighting my battle when I no longer could. I wish you handled my divorce.
~Patty
The Four C's of Mortgage Lending
1. CAPITAL
This refers to borrower assets. Checking, savings, stocks, bonds, 401(k), retirement accounts..etc. All these accounts are taken into consideration when calculating the borrower's available liquid funds but there are many conditions, rules and restrictions that can effect the final allowable result.
2. CAPACITY
This refers to the borrower's ability to repay the loan. Specifically it is the borrower's monthly income from employment, self-employment, Social Security, Pension..etc. There are many forms of income but not all are acceptable after applying certain rules and restrictions. Let us walk you through the guidelines.
3. COLLATERAL
Collateral refers to any property that will secure the loan. This is usually the borrower's residence or the subject property planned to be purchased. The property must be appraised for sufficient value and conform to the many rules and restrictions that can disqualify some properties.
4. CREDIT
Credit is credit. Virtually everyone knows what a credit report is, but few people have much experience reading one or know what their report says about them. To make matters even more interesting is the credit bureaus will score your report with a number that can make or break your deal! Do you know your score?
"Dear Carmine,we want to thank you for wonderful job on mortgage. Without your effort it is impossible.You are great and smart.
Thank you again. " Mr. and Mrs. Chang.
"Dear Carmine,
This note is long over due. We wanted to thank you so
much for all of your help with our loan. We know it was not
an easy one and we certainly appreciated all of the extra
effort! Please do stop by anytime . Thanks so much again,"
~ Mary and Paul.
"When's the last time you googled a mortgage company six pages deep and found no complaints ."
Dear Sirs,
I am writing to let you know how pleased I was with the way Mr. Pellegrino handled my recent
mortgage application.
I saw your ad in October and applied for a mortgage on a house in Glastonbury.I thought the process would be fairly simple. As it turned out, the sale on that property fell through and a subsequent purchase of a different house also fell through. I found another house in town and was finally able to close this past Thursday. From the start Carmine was very easy to work with and very helpful. It is clear from working with your loan officer that he is excellent at his job and really cares about his clients. I found him to be knowledgeable and capable. I would not hesitate to recommend him to anyone. " Sincerely, ~ Nancy Rutherford
CERTIFIED
VA
SPECIALIST
Carmine Pellegrino
SecurityNational Mortgage Company * NMLS 3116 *
15 Lakeview Drive, Vernon Rockville, CT 06066 *
1145 Town Park Avenue, Ste. 2215 Lake Mary, FL 32745 * Carmine.Pellegrino@SNMC.com * Cell 860-604-1688 * Fax 860-872-0763 * Office (407) 302-8384
Call today!
Cell: (860)604-1688
Fax: (860)872-0763 www.eMortgageCT.com
Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Security National Mortgage Co. is an Equal Opportunity Lender. NMLS #3116 * CT Mortgage Lender Lic. #20902 * © 2011
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