Monica joined Allen Tate after relocating from South Florida. Embarking upon an extensive research of Charlotte’s neighborhoods, schools, and terrain while making the critical decision as to where she would call home has equipped Monica with invaluable insight into the home buying and relocation process. It was this hands-on and passionate journey of searching for her family’s home that helps her to provide you with knowledge, tools, and experience to help you succeed in finding your new home.
She earned a bachelor of science degree in mass communications with a minor in psychology and later pursued a degree in education. As a homeowner and former teacher she truly appreciates the importance of buying a home, and educating her clients throughout the process. Monica is a full-time bi-lingual (Spanish) agent that cares and listens to her clients.
Building a lasting relationship with her clients is her measure of SUCCESS.
She hasn’t done her job if you’re not 100% satisfied and happy with the purchase or selling of your home. The best compliment she can receive from you is your referral of her to your friends and family.
The mortgage market is ever changing, several years ago many changes went into effect that affected many people in qualifying for a loan. Most of the changes that were implemented were needed, some made it so good quality clients could not purchase homes. In the recent months there have been some changes that were good common sense decisions.
Fannie Mae and Freddie Mac will now allow debt to income up to 50% VS prior 45%
Appraisal valuations can hit on purchase loans so no appraisal needed in some cases
Possibility of 1 year tax returns for self-employed borrowers
A customer might not have to provide any income verification if there company reports to “The work number”
Student loans can now use a payment of “Zero” if they are on an income based payment plan
Jumbo loans up to 90% LTV
In the coming months the agencies will also be enhancing there “Day One Certainty” which will allow more clients to qualify and have a much more streamlined process to get a mortgage!
Sales History & Footprint
Our team has deep knowledge and experience from Lake Norman, NC to Rock Hill, SC and everywhere in between. We have 6 state-of-the-art team offices.
Testimonials Say It Best
Thank You. We are very proud of our hard work, our achievements, and our incredible clients who make it all possible.
Award-Winning Team Roster
We are a family through and through. We love working together to achieve great things for our clients and great things together as a team.
State of the Art Team Offices
To provide the highest level of services, we utilize the newest technology and most state-of-the-art offices to support our team.