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Contact Information
phone: (949) 202-6822
mobile: (949) 202-6822
fax: (855) 699-1599
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RJ Hartnett
Mortgage Loan Originator ,  Stearns, Inc.
555 Anton Blvd,  Suite 300
Costa Mesa ,  California  92626
About Me
My Mission Statement - "Provide my clients and homeowners with the best financing options at competitive rates; fulfilling their needs in a 15 day time frame so that they can move on to what they do best and everyone wins!”
RJ HARTNETT IS ALL ABOUT HARD WORK AND GETTING YOUR DEAL DONE!
MORTGAGE INDUSTRY EXPERIENCE = 16 YEARS AS AN ORIGINATOR = ABILITY TO ANTICIPATE WHAT WILL BE NEEDED TO CLOSE YOUR CLIENT’s LOANS FAST!
STEARNS LENDING – 25 YEARS IN ORANGE COUNTY AS A DIRECT LENDER UNDERWRITER/PROCESSOR/DOCS/FUNDER WORK IN MY OFFICE = COMPLETE FILE CONTROL
HIGHLIGHTS:
VA TO 580 FICO (Case BY Case) 600 Purchase/ HARP 2.0 UNLIMITED LTV/CLTV/ NO CAP ON NUMBER OF FINANCED PROPERTIES/ FHA and Conventional DOWN PAYMENT ASSISSTANCE PROGRAM (CalFHA/CDAP)/ FHA DOWN TO 580 FICO (Case by Case) 600 Purchase/ NO OVERLAYS ON FLIPS/ FHA 203K REHAB LOANS - FULL CONSULTANT AND STREAMLINE/ FHA FLIPS OVER 20% OR SELLER OWNED LESS THAN 90 DAYS ONLY 1 APPRAISAL/ INTEREST ONLY LOANS/ NON WARRANTABLE CONDOS OK!!/ 5% DOWN CONVENTIONAL WITH NO MONTHLY PMI!/ JUMBO PRICING Comparable to Conventional at 80%/ JUMBO available to 90% CLTV/ Bank Statement Program – Rolling Out 6/2014
WE HAVE IT ALL FAST!!! GUARANTEED 48 HOUR APPROVAL GUARANTEED 15 DAY CLOSE on PURCHASE TRANSACTIONS
THESE ARE ALL MUST HAVES IN THIS MARKET - IN ADDITION YOU GET MUCH MORE FROM RJ’s TEAM!!!
MARKETING SUPPORT: FREE OPEN HOUSE CO-BRANDED MARKETING FLYERS LISTING WEBSITES AVAILABLE SOCIAL MEDIA MARKETING AND LISTING SUPPORT FREE BORROWER TRAINING SESSIONS CREDIT REPAIR REFERRAL SYSTEM IN PLACE FOR YOUR CLIENTS TO INCREASE THEIR SCORE IN 30 DAYS LEAD MANAGEMENT CRM SYSTEM PROVIDED – ABILITY TO TRACK YOUR BUYERS EMAIL MARKETING CAMPAIGNS TO CURRENT BUYERS
License Information
NMLS 180606
Employment History
Loan Officer , Stearns
Privately Held;500 + employees;Mortgage
February 1998 - Present (16 Years 7 Months)
Education
1993 - 1997
Northern Arizona University - Flagstaff, AZ
Business Administration - Economics
Client Testimonials
6/11/2011
“Thank you for an excellent experience”
RJ Harnett represents the best in customer service. No matter how many times I called and no matter how many questions I had he was always available. He made my experience in refinancing painless and after the closing of the loan he continues with excellent follow-up. Network Capital is very fortunate to have RJ as their Sr. Credit Manager. Sincerely, MGG
3/3/2011
“President Mckearney Associates”
RJ Great job on our refinance . I would be happy to recommend you to other folks who are in the market to do a mortgage and or a refinance . Thank you for all your help .Don and Melissa