Helen Thomas

Helen Thomas

Operations Manager
NMLS ID 267845

About

There is strength in flexibility. Simple or complex… there is a solution to every problem.   Solving problems is my specialty.

Whether you are purchasing or refinancing, put my three decades of experience to work for you.  I look forward to the opportunity to demonstrate the benefits of my service.  I work closely with custom home builders and am highly experienced in dealing with the unique needs of self-employed borrowers.

I specialize in first-time buyer programs, including FHA, VA, USDA Rural Housing, and new construction. We also have a specialized renovation department that serves our customers from initial application through the hammering of the last nail.  Find out about the benefits of FHA and conventional renovation financing.

An advocate of community involvement, I am a member of Women's Council of REALTORS. I am also an avid golfer and Bakersfield Country Club is my home course.

Contact Info

Phone
Cell Phone 661-332-2566
Fax 661-631-2963

Follow Me

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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
GET PREAPPROVED
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
MAKE AN OFFER
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
HOME APPRAISAL
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Property
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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