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Justin Carmichael

Vice President of Mortgage Lending
264 Riverside Ave, 2nd Floor, Westport, CT 06880
Contact Justin
NMLS: 103105
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TestimonialsCustomer testimonials Read more

Justin is thorough, reliable and very effective. Couldn't ask for a better broker. He is a true asset to your organization!

Sergio O.

The team I worked with was patient with me as a "first time" house buyer!

Chad M.

The service and process was excellent and Justin Carmichael is great to work with.

Diane U.

The service and process was excellent. Justin Carmichael is great to work with.

Diane U.

About Justin

Justin Carmichael has been in the mortgage industry for thirteen years and has been consistently recognized for his superior customer service. He has experience managing and staffing offices for national companies as well as for local mortgage start-ups. Justin has found success in the mortgage business by always establishing trust with his customers, who range from first time home buyers to seasoned investors. No matter who heýs working with, Justin always wants his customers to be able to rely on him during the entire mortgage process. He aims to provide guidance throughout the entire process and to find the perfect mortgage solution each time. Todayýs mortgage marketplace is flooded with options and information that can be somewhat overwhelming. To navigate the process, you must be sure you are working with a mortgage professional who is committed to delivering a mortgage solution that best fits your needs. Justin understands that his clients work hard to find their perfect home and realizes that finding the perfect mortgage solution is just as important. Justin was born and raised in Westport, Connecticut, and couldnýt be happier to call the town his home. He moved to Westport with his family at age eleven. Justin attended Ithaca College in New York, and after graduating with a Bachelor of Science degree, he was excited to return home to where he grew up. Because of his upbringing and local ties in Westport, Justin takes pride in helping homeowners move and settle into the area.

Justin interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
On every transaction I make sure I spend time getting to know my borrowers. I learn where they are in life, what they are interested in and ultimately what outcome they are interested in achieving with each particular transaction. I always look to offer them several different financing options, discuss the pro's and cons of each program and provide them with enough information and confidence to select the program that is perfect for them.
How has the mortgage industry changed since you started, and what would you expect in the future?
Currently the mortgage industry "pendulum" has swung far to the conservative side. It is a somewhat document heavy industry right now as banks work to navigate through the myriad of government lending guidelines that have been implemented since 2008. That being said, we are starting to see banks loosen up a bit and get back to traditional "make sense" underwriting. This is allowing for more and more home buyers to actively get in the market and realize the process is not as prohibitive as once reported. As credit with the banks continues to strengthen, I believe we will start seeing the dream of home ownership become a reality to more and more people.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most difficult part of the home loan process is getting started. Most home buyers these days come to me with a built in fear of the industry given all the national media scrutiny. In the initial conversation with each borrower I make sure I explain the entire process to them and let them know that contrary to popular belief, banks are still lending! A little confidence goes a long way and once they are comfortable with the process and what the process will entail they are ready to jump into the market and get things moving.
What are the top 3 misconceptions people have about the home loan process?
1)You MUST have a 20% down payment or you cannot buy a home. 2)Your credit has to be absolutely perfect or you will never get a home loan 3)Big banks are the best place to go for their mortgage needs.

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