Senior Mortgage Loan Originator at U.S. Bank

Alert the press (already did), Hayden Hodges has moved.

Formerly with Cornerstone Mortgage, Benchmark Bank and most recently, Caliber Mortgage, Hodges is now with US Bank.

Wait, they bank here in Texas? As a matter of fact, they do. They’re moving into Texas and starting with mortgage lending. Hodges was hired to build the team and continue to offer the high-quality service he’s become known for.

With a background that includes a law degree from SMU and several years on Capitol Hill before the major life change-slash-career switch, Hodges brings something special to each transaction – a key understanding of the process from way back before it ever reaches the consumer. He served as counsel to big banks so he has an intimate knowledge of the entire lending industry. Oddly enough, he’s avoided big banks for years so why the switch and why now?

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Do you use both sides of your brain? This month’s Guardian Angel Ricky Phillips does. Not only does he love the problem-solving, number-crunching aspect of being a mortgage officer, but he’s also deeply smitten with the color-coordinating, detail-minding aspect of owning his own interior design business.

Methinks that Phillips would be a great one-stop-shop for first-time homebuyers as they find just the right loan for their dream home and just the right decor, too.

It’s that kind of attentiveness and creativity that makes the professionals at Guardian Mortgage stand out in the crowd. Jump to find out more about Phillips and how he helps people live their dreams in both of his professions.

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Julie Nichols grew up on the west and east coasts, so she heads for the beach to relax!

Julie Nichols grew up on the west and east coasts, so she heads for the beach to relax!

When we’re ready to buy our beach home, we’re going to talk to Julie Nichols at Guardian Mortgage. Why? Because not only will Nichols be able to find the best loan for our situation, but she also knows where all the best beaches are!

Nichols, who has lived in the Dallas area for quite some time, is a real bright spot at Guardian Mortgage, thanks to her experience as a project manager in the IT industry and her detail-oriented approach when helping her clients find the best mortgage for whatever the situation. Whether it’s a first-time homebuyer, a luxury-level client, or a vacation home that’s been a lifelong dream, Nichols takes a nuanced approach to every situation, and it’s earned her a ton of repeat business!

Take some time to get to know Nichols and her love of coastal sunsets and find out why this dynamic home mortgage professional is this month’s “Guardian Angel.”

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Want to know one of the hottest neighborhoods in town where Baby Boomers are buying every inch of land they can grab? I call it Contemporary Architecture Row, a sliver of land between Highland Park, the Katy Trail and Turtle Creek, about one block long in Northern Heights. Here you will find 60 by 150 lots zoned for up to four units — dense living, but not too. Close to EVERYTHING, and somewhat walkable. June and Oliver Mattingly first got the design ball rolling. Now Frank Welch lives there — I’m visiting with him this Friday, having missed our meeting last week apres wild Dallas storms that left us without electricity. There are so many stunning contemporary homes here, designs by Graham Greene, Lionel Morrison, and  Max Levy.

“Take a stroll in that neighborhood, and you’ll have a primer on the best architects and best neighborhood designs in town,” says David Griffin. (more…)

James Reed

There are a few things we are suckers for over here at CandysDirt.com… gorgeous houses and gorgeous men. Especially those who have served in the military! Let me put it this way: I will not be needing my hormones for a few weeks after this interview with Guardian Mortgage Guardian Angel James Reed! Guess what folks, he is as hot on the inside as he is out: a total family man with old-fashioned integrity who has saved lives and even jumped out of airplanes! Now he’s saving financial lives every day as he helps home buyers navigate the crazy world of mortgages. James, you can “roger that” with us anyday!

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QM And QRM Dodd Frank

The real estate landscape is constantly changing, thanks to a regulatory environment that is learning from its past. After the housing bubble burst, fueled by the sub-prime lending market crash, lawmakers were in a frenzy to control the damage. The question is, though, with regulatory belt-tightening, will there be unintended consequences? How can this actually prevent homeowners from going underwater?

That’s where staying up-to-date comes into play, and there are few experts better versed in the new mortgage alphabet soup than the folks at Guardian Mortgage. If you haven’t the faintest clue as to what QM, QRM, and Dodd-Frank are, then perhaps you should read this fantastic article from Guardian themselves:

The Dodd-Frank Consumer Protection Act, which was signedinto law in July 2010, was designed to restore consumer confidence in the housing industry. The law establishes requirements, referred to as Qualifed Mortgage (QM) and Qualifed Residential Mortgages (QRM) that must be met before a mortgage, new or refinanced, can be created.

Need to bone up? Read the whole article from Guardian Mortgage.