Jeffrey Ragan's Profile

Jeffrey Ragan has been involved in financial services for several years. He worked at Flagstar Bank until his retirement in 2006. While working at the bank, his focus was on helping First Time Home Buyers. He was able to close millions of dollars in loans all across the USA. He has helped people reach their goals. With his years of experience in construction, real estate investing, mortgages, credit repair and more, he has helped many people find the home of their dreams. He does this by teaching others how to make educated decisions based on accurate knowledge, many have found him to be a good source of information. Currently Mr. Ragan is working part time as a consultant/writer in the mortgage industry. He has a small handful of clients he has consulted with relating to small businesses marketing and sales. Also, he has taught small business courses at the local community college. EXPERIENCE His niche while working for a national bank was FHA, VA and USDA Rural Development Home Loans. While working with in-experienced buyers 95% of the time, he was able to take the mortgage process and make it simple and easier to understand for the first time buyer who is naturally nervous. His passion is to help people understand the mortgage process completely before even applying for the mortgage. Also Jeff Ragan has published many articles on the FHA home loan, credit repair and down payment assistance. EDUCATION Jeff has many hours in training for the FHA and VA home loan. Since Flagstar Bank was an FDIC lender it was required to attend continuing education courses for the H.U.D loan programs. Most loan officers in the industry would not help people with government home loans. This is largely due to the fact they did not understand the loan product or their bank or broker house was not an FHA approved lender. However, Jeff was able to become a specialist in this field using the Underwriting Guidelines, out of the box thinking when it comes to structuring deals that fit within them. Many people are not aware of the numerous benefits government backed home loans offer. Even during this mortgage crisis, it is still possible to get a low or no down payment loan. Sub-prime loans have dried up, but the FHA loan has been with us since 1934 and will no doubt continue for many years to come. FROM JEFFREY S. RAGAN My personal goal is (and always has been) to educate the home buyer before making the biggest financial commitment of a lifetime. I believe that way too many people in the mortgage industry have their own paychecks in mind and neglect to inform the borrowers and take the time to educate them before getting started.