Get to know Sem
Sem Gulinyan is a licensed Real Estate and Mortgage Broker with extensive experience helping clients navigate both: challenging and traditional real estate transactions, as well as obtaining all types of loans, so no one is left out of pursuing their dreams of homeownership. Sem brings a comprehensive understanding of the lending landscape: specializing in residential and commercial industries, with options that don’t require income or only Profit and Loss statement, 0% down payment and more.
Why choose Sem?
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Brokerage info
Questions? Sem has answers.
We prompted questions to Sem so you can learn more about their skills, preferences, and availability.
It varies: depending on the program you are being qualified. If you are a self-employed person, we may only need a Profit and Loss statement to qualify for a loan. If W2, then Tax Returns & paystubs.
Depends on factors such as credit score and rate that you are trying to obtain. In general, you can obtain a loan where you don't put any money out of your pocket at all or very minimal.
I'm a Real Estate & Mortgage Broker. My office offers real estate services as well. When you purchase your home with me and obtain a mortgage with me, it makes the transaction lot easier and smoother.
My first step is always to explain how loans work. So even if you decide not to obtain a loan with me, you will be educated enough to shop with others and be protected, so no one can deceive you.
I actually recommend clients to talk to me even before they are ready. Since it is my job to explain the market, how loans work, run analysis, so only then the client will know if they're ready.