dshultz

Knowing most borrowers have limited spare time, Debra delivers white glove service & holds the hand of each & every client from pre-approval to closing. She starts with a complimentary consultation in which she extensively analyzes their income, assets, debt & credit profile. Next, she counsels them on their ability to qualify for a mortgage loan & the product that best suits their current & future financial & personal needs. Last, but certainly not least, she educates them on the reasons behind the product they chose & the wonderful benefits they can expect to reap as a homeowner. Her winning formula is her nurturing personality! Debra is a Director at The Manhattan Mortgage Company and an accomplished Senior Mortgage Consultant with 10+ years of sales, marketing & operations experience. She’s an expert in residential & commercial mortgage financing for all property types, including 1-4 FAM, condos, coops, condops, condotels, new developments, new construction, conversions, mixed use, & true commercial. She has strong relationships with many of the nation’s top wholesale lenders & is sought after by industry leaders for focus groups, pilot programs, software beta testing, & product opinions. Debra is also an expert in mortgage financing for international buyers. Debra has worked with buyers from all around the world. She most recently closed transactions for buyers from the UK, France, Italy, Spain, Germany, South Africa, Dubai, Saudi Arabia, Russia, Japan & China. She has US & European product options for non-U.S. citizens looking to purchase residential primary residences, second homes & investment properties. Product features include, but are not limited to, interest only payments, multiple currency payment options, collateralization of personal assets rather than the real estate, no income verification, 100% financing, title held in the name of an LLC, & off shore servicing of the mortgage. She has extensive knowledge of overseas currencies & sources of income & assets, and has resources for the certification & translation of foreign documentation. On top of being fluent in English, Debra is also learning French. She also works closely with a team of Manhattan Mortgage account executives that speak fluent French, Italian, Spanish, Portuguese, German, Romanian, Hebrew and Farsi. If you require a translator for a language not listed, Debra can accommodate via an outside translation service. Debra is assigned to cover certain branch offices of a top Manhattan Real Estate company. She spends time speaking on panels, delivering presentations on the current market, mortgage products & rates, and other topics important to real estate professionals, leading round table discussions, & offering one on one time for individual agents. She supports her agents by hosting their open houses, creating “Rent vs Buy” & “Purchase Costs Analysis” sheets, pitch kits for new developments, personalized marketing pieces for individual agents, and of course delivering extraordinary service to their clients. Her core business partners include real estate agents, attorneys, developers, contractors, CPA’s/accountants, CFAs, insurance brokers & of course, her past clients. Debra graduated Summa Cum Laude from Hofstra University in 1993 with a Bachelor’s Degree in Business Administration & Marketing. In August of 2007, she graduated from the CMPS Institute of Michigan as a Certified Mortgage “Advisor”. Many homeowners have become frustrated and confused with the myriad of choices in today’s mortgage market and the lack of both ethics and financial knowledge among many mortgage providers. The CMPS Institute is a joint effort by leaders in the mortgage and financial planning industries to raise professional standards among mortgage professionals and integrate sound financial planning advice into the mortgage process. Certification requires annual continuing education & passage of a comprehensive exam. “My focus is to help my clients build and protect wealth by better managing their home equity and personal cash flow.” Debra brings a financial “edge” to her clientele. She incorporates five essential skill-sets into each transaction: 1). Financial market and interest rate analysis 2). Cash flow analysis 3). Debt analysis 4). Real estate equity management & 5). Real estate investment analysis. Today, Debra is headquartered out of our Madison Avenue office. She’s focused on the Manhattan market, while continuing to maintain & grow the relationships she’s forged outside of The Big Apple. In her leisure time, Debra enjoys living in and exploring New York City, volunteer work, learning the guitar, football season, Broadway, museums, all types of music & furthering her education. Debra actively pursues an organic & holistic lifestyle. Debra is personally registered as a mortgage originator in the states of NY, NJ, CT & FL. She can also originate loans through The Manhattan Mortgage Co., Inc. in the states of MA, NH, VT, NC & IL and through The Manhattan Mortgage Company in CA. Please also ask Debra about loans in the states of PA, CO, ME, AK & HI.