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Carol Commiskey
 
Carol Commiskeyspace
Carol Commiskey
Senior Account Executive

Pinnacle Capital
Mortgage Corporation
1390 Willow Pass Road #560
Concord, CA 94520
email Carol
925.997.5575
 
Darla White
Darla White
CSR
email Darla
925.826.0786
 
 
 
MESSAGE BOARD
     
  Why Pinnacle Capital Mortgage?

* A West Coast based company that understands California lending. PCM is a quickly growing company founded in January 2008 and funded over $5 billion in 2011. PCM was also voted one of the Best 100 Bay Area companies to work for in 2011!
* Strong Government underwriting team
* PCM offers Conventional, FHA, FHA Good Neighbor, VA, USDA, Homepath, DU Refi Plus to 125% LTV, MCC, EEM's and Jumbo programs
* Accessible underwriting team - they are here to help you!
* Competitive pricing
* 97% Conforming Conventional and 90% High Balance available
* 4 MI options available: Borrower Paid, Lender Paid, Single Premium and Split MI
* Support staff that has consistently one awards for customer satisfaction
* A team of experienced professionals offer a wealth of experience you can count on
* Program and industry trainings available to you

In addition to our wholesale channel we also offer affiliate branching opportunities for those of you who want to join the PCM team! We provide successful mortgage brokers a way to keep their presence and branding in their marketplace while gaining valuable support, enhanced service levels, increased flexibility and additional products.

For more information on our affiliate branch program, go to the affiliate tab to the left of your screen!

 
 
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HOT PRODUCT
     
  97% Conforming and 90% High Balance MI options available  
  Check out our improved MI guidelines  
 


97% Conforming

* 680 min score
* DTI per DU
* Purchase and Rate/Term
* Condos ok!
* Fixed Rate only
* Non delegated UW

95% Conforming

* Min score 620
* DTI per DU approval
* Purchase and Rate/Term 
* Delegated UW
* Condos ok!

90% High Balance
 
* 720 credit scores
* DTI per DU approval
* Purchase and Rate/Term
* Delegated UW
* Condos ok!

85% Cash Out Conforming

* 620 min score
* DTI per DU approval
* No limit to cashout amount
* Delegated underwriting
* Condos ok
 

 
 
DISCLAIMER: This information is intended for mortgage professionals only and is not an advertisement to extend credit. All rates and programs subject to change without notice.
 
  BOOK THIS TRAINING WITH ME TODAY!
     
  MI Training - Learn 4 different conventional MI programs  
  Split MI, LPMI, Borrower Paid MI and Single Premium  
 
Book an appointment with me to come out and train you on all of our MI programs:

Split MI - Use seller credit to pay upfront premium that lowers your monthly MI payment OR include in your pricing. Helps to qualify for more OR reduce your DTI to fit guidelines.

Lender Paid MI - add into your ratesheet pricing to avoid a monthly MI payment and help qualify your borrower.

Single Premium MI - Use seller credit or borrower funds to pay one time, upfront MI fee and avoid MI payment.

Borrower Paid MI - Compare the above MI options to the standard MI option to see which is best for your borrower

I will show you how to go to the MI calculators on my website to help price out your MI payment quickly

Conventional MI may be a good alternative to FHA as MIPS have recently increased

We accept TBDs so you can prequal your borrowers with or without MI

 

  Update your realtor presentation  
  Learn more about VA, USDA, EEM, Homepath and FHA programs  
 

I offer a variety of trainings so you can update your presentation to your realtor community:

Do you need a refresher course on FHA?

Are you familiar with USDA and Homepath guidelines?

Do you want to learn more about VA?

Did you know that the Energy Efficient Mortgage allows FHA  borrowers the opportunity to finance costly and valuable energy conservation improvements with their home loan? Does not affect qualifying ratios, down payment or appraisal.   

 

 

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STANDARD
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HB CONFORMING
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FHA LIMITS
 
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