John Hoyle – Web Design and Consulting

Over the past few weeks I’ve added some new links to other sites of mine.  Today I’ve added a link to my brother’s new “business card” page hosted by Indymac Bank. Denny is a home loan consultant for Indymac in Orange County, California.

Denny and I frequently chat about the state of real estate throughout the country, but especially in Southern California where he owns a very nice home and I manage a rental property.  In spite of the doom and gloom that surrounds the real estate and banking industries right now, Denny is pretty upbeat and feels that homeowners with a good property and a decent loan will pull through just fine.

Unlike many loan brokers and bank loan officers, Denny is fortunate, thanks to his relationship with Indymac Bank and his other industry contacts, to still have access to a wide range of loan products for almost any home owner or buyer.  He can handle basic conforming home loans, “jumbos” and “super jumbos,”  and even reverse mortgages for old folks like me.  He can also serve clients in most other states.

Now that interest rates are about as low as they have ever been, Denny feels that anyone that has a loan with an interest rate over 6.50%, whether fixed or an adjustable, should consider refinancing soon.  There is actually plenty of money available, and lenders like Indymac Bank really do want to help you get a better loan.  But you need someone who knows how to package your loan file to get it past the much tougher underwriting guidelines that now exist – and Denny is certainly one of the best when it comes to pulling together a quality loan application.

I know he’s my brother, and I probably shouldn’t be bragging about him like this on my blog, but he really is one of the best brokers I’ve ever known in the home loan industry.  He’s been in the lending industry for well over twenty years and has survived and prospered through several real estate booms and busts.  When it comes to mortgages and equity loans, Denny is definitely my hero.

Oh yes, and I think Denny is a pretty cool guy in lots of other ways too!