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Derrick Waltz

Vice President of Mortgage Lending
109 Rand Pl, Ste 1, Franklin, TN 37067
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NMLS: 1262569
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About Derrick

As part of Guaranteed Rate, I go above and beyond for all of my clients. With a background in both accounting and entrepreneurship, I have the ability to structure the perfect program for all types of client needs that will lead to financial security and a stress-free monthly investment. Whether you are ready to make the biggest purchase of your life or simply restructure your current mortgage, I will provide top notch professionalism and an excellent customer experience. Being a loving husband and father of 2 children I have found a great balance between work and family. In my free time I enjoy traveling whenever possible, playing sports, and taking advantage of the great outdoors. I have been living in middle Tennessee since 2006 and am an active member of my church.

Derrick interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I make sure to always walk my clients through the entire process and present every option available. I will examine each client's overall financial circumstances and structure a suitable loan program to meet each of my client's needs.
Tell us about a mortgage product that consumers may not be aware of?
A loan program that most people are unaware of that can save a lot of money on monthly payment is our LPMI or Lender Paid Mortgage Insurance loans. If a client can invest with a 5%-15% down payment and have good credit, we will pay your mortgage insurance which could save hundreds of dollars a month!
What can borrowers do to insure a smooth mortgage underwriting process?
To insure a smooth mortgage process, it is best for clients to provide all documentation needed upfront to avoid delays throughout the process. In addition, it is important for borrowers to be "still" in their financial life. Avoid acquiring new credit or changing jobs until closing is complete.
What provides you with the most satisfaction in your job as a Loan Officer?
As a loan officer, my satisfaction comes from helping people secure the largest purchase of their life - their home!
Tell us something that makes you unique or something wacky, yet interesting about you?
I believe that I stand out because of my ability to commutate with all types of people and provide a pleasant, simple, and enjoyable process.

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