OVER 18,000 CLOSINGS!! I represent the companies I close for in a professional manner and attire and have done so for over 25 years. Hello. My name is Michael Carter and I have been closing loans full time since 1995. From 1995 thru 2004 I was a full time employee for an Ohio based title company closing loans throughout the state. I started closing loans independently in 2004 for a few mortgage companies and title companies that already specifically requested me for their closings anyway so it was a natural transition. I have closed over 18,000 loans from standard refinances and sales, mobile home loans, reverse mortgages, equity lines, construction loans and dual 1st and 2nd loan closings (piggyback loans). I am not simply a notary having borrowers/sellers sign papers. I actually explain the loan documents without hesitating to read them myself before being able to give an overview of each document and can answer all the clients general questions from why spouses are signing (dower rights) when they are not on the loan/deed to what various charges in general are for, why payoffs are different from what their statement says, on average when to expect current escrow and over payment refunds, what an APR really is, point out where to read answers to specific questions regarding their loan, etc...
