Adam Coleman, CDLP®, AFC®
Branch Manager / Senior Mortgage Planner
Certified Divorce Lending Professional®
NMLS# 181698
Adam Coleman, CDLP®, AFC®
Branch Manager / Senior Mortgage Planner
Certified Divorce Lending Professional®
NMLS# 181698
A New Approach to Mortgage Lending
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Mortgage Planner/Broker
Mortgage Planner/Broker
Mortgage Planner/Broker
Purchase / Refinance / Home Equity Solutions
Conforming, FHA, VA, USDA, Jumbo, Nonconforming, Reverse Mortgages (HECM and Proprietary), HELOC, Home Equity Loans
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Divorce Lending Expert
Mortgage Planner/Broker
Mortgage Planner/Broker
As a Certified Divorce Lending Professional I help divorcing homeowners (along with their divorce teams) make informed decisions regarding their mortgage solutions
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Financial Planner
Mortgage Planner/Broker
Financial Planner
I work with "everyday people" on their financial planning, specifically guiding millennials and Generation X professionals toward financial independence
Frequently Asked Questions
Mortgage planning is mortgage lending while looking at a person's overall financial picture to ensure the mortgage is helping achieve those short and long term financial goals. This long term vision makes the process less transactional and more of a "lender for life" mentality.
Divorce mortgage planning allows me to uncover potential opportunities and obstacles that a divorcing homeowner may face, whether they want to retain the martial home or eventually buy a new home. I work with the divorce team (attorneys, mediators, financial planners, financial analysts) much earlier in the process versus your typical mortgage lender, so that everyone understands the mortgage implications in the divorce documents before it's too late and they are finalized.
Your home/mortgage is often both your largest asset and largest debt. Would you rather that be left in the hands of a sales person or a comprehensive financial planner looking over your whole financial picture?
There are thousands of lenders out there to choose from, but the combination of experience, low rates and fees, and mortgage planning training I bring to the mortgage lending process set me apart from the competition. I'm not aware of anyone in the country who takes such a comprehensive approach to the mortgage lending process while staying competitive with the cheapest of online lenders.
Not at all. My process is the same whether I am doing a loan for someone locally, or on the other side of the country. I have access to some of the best technology in the industry that allows for a smooth process regardless of your location. Also, locally-based lenders (similar to large banks) tend to sell you higher rates with more fees due to the lack of competition they face and their desire to make a much higher commission on your loan.
The common "advantages" that local lenders claim:
- More responsive and available: I am available 7 days a week anytime you need. You'll have my direct dial, cell, email, and access to my calendar anytime. If you need a pre-approval or a question answered late at night or on the weekend, I'm here.
- Access to local appraisers: This has nothing to do with the location of the lender. Any appraiser we use will also be local to the property
- Less work involved working locally: I have a dedicated team of processors, underwriters, and closers that I have direct access to anytime you have questions or concerns, so that I can make this process as smooth and painless as possible
- More personalized service: Unless you require physically shaking the hand of your mortgage lender, you gain nothing by working locally versus working with me. If anything, local lenders rarely have the mortgage planning and financial background that I have to personalize the mortgage process to your needs and goals.
It's important to talk to a lender/mortgage planner first. The realtors can be great about finding you a house in a neighborhood you like, but none of that matters if you don't have your finances in place. Without knowing your actual budget and discussing where the new home/mortgage fits into your overall financial picture, you don't have enough information to give to the realtor for them to help you effectively. Talk with me first to nail down all the finances, and then the realtor and I work together to find you that perfect home.
This is a unique service I provide after the loan closes, designed to constantly monitor your home/mortgage. It includes monitoring the mortgage rate market, home values, personal finance checklists, home maintenance checklists, and much more. See "Mtg Under Mgmt" section for more details.
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Adam Coleman, CDLP®
Branch Manager / Senior Mortgage Planner
Certified Divorce Lending Professional®
NMLS# 181698
Loan Pronto, Inc. NMLS# 1661781
800 Westmere Ave Suite 300, Charlotte, NC 28208
Copyright © 2023 Adam Coleman NMLS 181698 - All Rights Reserved. 2023 Loan Pronto, Inc (NMLS 1661781). All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity. Licensing Information
Nothing on this site should be construed as financial advice, investing advice, tax advice, or legal advice. The information is for informational and recreational purposes only. Investment products discussed (ETFs, index funds, etc.) are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Do your own due diligence. Past performance does not guarantee future returns. Nothing herein shall be used as a substitute for the advice of a competent financial planner, tax expert, or attorney.
DISCLAIMER - FOR NEW JERSEY PURPOSES, WE ARE NOT A LENDER AND CANNOT GUARANTEE THESE INTEREST RATES.