Welcome to Our Branch

You Deserve More

We believe...You deserve more from the mortgage industry. We believe in the need for live, human interaction during a complex process. The kind of service and guidance which an app simply can’t provide. We believe paperwork cannot tell your whole story. Our customers are more than credit scores and income documents. They are the individuals and families who live in and strengthen our communities. Their story is our story. And that story begins in a home.

We Provide More

More Resources

From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.

More Support

Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!

More Solutions

Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.

More Humanity

AnnieMac Home Mortgage is committed to supporting the communities in which we serve. Click here to learn more about our mission to give back.

Assess Your Situation

Do you have a minute to discover if now is the right time for you to buy a new home or refinance your current mortgage? There’s no need to guess. Instead, take our simple 60-second quiz and find out for yourself!

Crunching the Numbers

If you are considering the idea of buying a home or refinancing your existing one, would you like to see what your monthly payments might look like? Our easy-to-use calculators can give you a glimpse into your future.

What People Say About Us

FLAWLESS

“If I had to describe Andy in one word it would be FLAWLESS! Andy made the process of purchasing myhome the best experience you could imagine. Andy and his team are very attentive ...

So Grateful!

“Now that things have calmed down a bit and I have moved most of my belongings into my new house, I wanted to write a note of appreciation to you for the hard work and many, many l...

I Get the Keys this Afternoon!

I’m supposed to pick up keys this afternoon from my realtor’s office. I absolutely pay the ultimate compliment of a recommendation to any of my families and friends. That bei...

Our Branch Manager (s)

Jason Leibowitz

EVP of Retail Sales
NMLS: 29944

Our Sales Team

Michael Spillman

Mortgage Loan Originator
NMLS: 1569030

Wendy Munson

Mortgage Loan Originator
NMLS: 1765249

Matthew Siderio

Mortgage Loan Originator
NMLS: 1957807

Gene Cosentino

Mortgage Loan Originator
NMLS: 9088

Raymond Moore

Mortgage Loan Originator
NMLS: 178446

Jason Trotte

Mortgage Loan Originator
NMLS: 1500742

Shawn Yocum

Mortgage Loan Originator
NMLS: 552558

Ed Yucis

Mortgage Loan Originator
NMLS: 1105023

Aaron Tedrow

Licensed Mortgage Originator
NMLS: 13114

Dave Salvatore

Mortgage Loan Originator
NMLS: 1169272

John Kane

Mortgage Loan Originator
NMLS:

Matt Lugas

Mortgage Loan Originator
NMLS: 169220

Brad Miller

Vice President of Consumer Direct Lending
NMLS: 205711

Craig Vogt

Mortgage Loan Originator
NMLS: 151279

Dominic Carlucci

Mortgage Loan Originator
NMLS: 418918

Employee Loans

For AnnieMac Home Mortgage Employee Loan Submissions
NMLS: 13114

Randy Fiocchi

Mortgage Loan Originator
NMLS: 175676

Tom Fox

Licensed Mortgage Originator
NMLS: 33932

Dajshia Gibson

Mortgage Loan Originator
NMLS: 1483594

Jill Granato

Branch Manager
NMLS: 363390

Atif Haq

Mortgage Loan Originator
NMLS: 236502

Efrain Munoz

Mortgage Loan Originator
NMLS: 211627

Kenneth Allen

Mortgage Loan Originator
NMLS: 1571518

Roni Spillane

Mortgage Loan Originator
NMLS: 1931604

Mark Crocetto

Mortgage Loan Originator
NMLS: 201612

Robin Hall

Mortgage Loan Originator
NMLS: 1469715

Amy Sodowich, CFP ®

Mortgage Loan Originator
NMLS: 1021068

Adam Zebib

Mortgage Loan Originator
NMLS: 399223

Paula Emond

Mortgage Loan Originator
NMLS: 158109

TJ Moos

Mortgage Loan Originator
NMLS: 987283

Jonathan Leftwich

Loan Partner
NMLS: 712614

Michael Livezey

Sales Manager
NMLS: 34542

Timothy Losey

Mortgage Loan Originator
NMLS: 1031432

Christa Martin

Mortgage Loan Originator
NMLS: 1099127

Cathy Miller

Mortgage Loan Originator
NMLS: 1442130

Emmett Munson

Branch Manager
NMLS: 69599

Randy Nemeroff

Mortgage Loan Originator
NMLS: 143431

Matt Ogden

Mortgage Loan Originator
NMLS: 1694999

Stages of a Loan

1

Prequalification

Your licensed mortgage originator can get you a prequalification letter that says how much house you’re qualified to buy. You’ll probably need to put together some paperwork — two years of tax returns and W-2 forms verifying your employment and income, etc. But it’s an important step, because it will make the whole process easier. Some real estate professionals won’t even show you a home without this letter.

2

Preapproval

A preapproval goes further than a prequalification and can be an enormous advantage when you’re looking for a home. It means that a mortgage lender has done a thorough examination of your finances, including your income, debts, and assets, and has determined you’re qualified to borrow a certain loan amount at a certain rate. While it’s not an actual guarantee that the lender will approve the loan, it still gives you substantial advantages when you’re shopping for a home.

You have a better idea of what kind of price range you can afford.

You have an enormous advantage over potential buyers who haven’t taken that step, because sellers and real estate agents know you’re likely to be able to make the payment, so they’ll take your offer more seriously.

3

Application

Your licensed mortgage originator will help you through the application process, much of which consists of gathering and reviewing of documents. Those documents will include:

Recent W-2s

Recent pay stubs

Recent bank statements

Your lender will provide you with a loan estimate that includes fees and closing costs, including:

Mortgage application fee

Loan origination and document preparation fee

4

Processing

Your licensed mortgage originator will organize all the paperwork and send the information to the processor, who will in turn send all the information to you so you can review it and make sure it’s accurate.

Your processor will begin processing your loan. In a nutshell, he or she will gather everything up in a neat little package to hand off to the underwriter.

While all this is happening, your property will be appraised to safeguard you against spending more on the refinance than it is worth.

5

Underwriting

Underwriting will verify all the information you provided. The underwriter is responsible for analyzing and validating your income, assets, credit history and the home appraisal. The first thing they will do is compile and review your documentation to see your full financial picture. Next, they will reconstruct your loan scenario to ensure it meets all qualification guidelines and that it is the best loan to fit your financial needs. Finally, your underwriter will take steps to verify your information is accurate and meets the ever-changing mortgage guidelines. You may be asked to provide additional documentation, depending on the requirements of your loan.

6

Closing

Once your loan has been approved, we’ll schedule your closing. This is much simpler than it was when you purchased your home, and the closing had to be done at a title company or attorney’s office. For a refinance, it can be done at your home and will only take a short while for you to sign some paperwork.