May 21, 2024
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May 21, 2024
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Linking Northern and Central NJ, Bronx, Manhattan, Westchester and CT

We are overloaded on social media with everybody’s accomplishments, some objective but many self-proclaimed. Everybody is number one, the best in the business, top of the top, honored, flattered, humbled etc. You get the point. Basically, it’s called bragging from where I come from. Posted “closed sales” kind of allow you to calculate how much money the people posting are making, and if you have no other hobbies, I guess that can be fun (if you don’t start feeling some sort of inadequacy about your accomplishments LOL). This is now the world we live in.

I tend not to post closed loans as if that is an accomplishment in and of itself. I view the type of financing we help our clients obtain as life-changing, which (at least for me) gives more meaning to the transactions we work on. There is nothing more fulfilling to me than hearing “ Carl, I don’t know how to thank you. You pulled off something I didn’t think was possible.” No doubt, it’s great to see other mortgage competitors and friends making the big bucks on large, closed loans that I see broadcast on social media, and totally industry standard. I would like to share with you my thought process, and how I view my results of the loans I closed recently:

Obtained and Closed! A$1,900,000 commercial bridge loan helped save my clients from losing their light Industrial commercial property to bank seizure.

Obtained and Closed! An $860,000 purchase loan for a single mom who needed a home for her kids.—No income was verified, but the life-changing dream of securing home financing for her family was still obtained.

Obtained and Closed! a $925,000 purchase loan for a family who moved back from a foreign country. No verifiable income needed. We welcomed them back to the States.

Obtained and Closed! A $1,000,000 cash out refinance on an investment property allowed the client to use the proceeds to consolidate high-rate debt and take advantage of other investment opportunities. No tax returns required!

Obtained and Closed! a $610,000 Reverse Mortgage to eliminate the financial burden for the children whose mother had dwindling savings. The goal was to eliminate monthly payments and have their mom age in place. The loan was structured to leave some future draw availability in the equity line and take advantage of the built-in equity line growth factor.

Obtained and Closed a $300,000 equity line to pay for a child’s wedding.

I’m not posting everything we closed, but I hope you see where my heart is and why I do what I do.


Carl Guzman, NMLS # 65291, CPA, is the founder and president of Greenback Capital Mortgage Corp., a Zillow 5 star lender. He is a residential and reverse mortgage financing expert and a deal maker with over 26 years of industry experience. Carl and his team will help you get the best mortgage financing for your situation and his advice will save you thousands. Visit him at www.greenbackcapital.com or [email protected].

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