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SEAN GILLES

Regional Manager 

 

425-273-6802

sgilles@psmortgage.com

See your future!  Join a team that cares about YOUR success!  It is our aspiration to take mortgage lending to new levels, we spend the time to understand what’s important to you and are committed to working each day to serve you better.  

My name is Sean, I am the Regional Manager, and it is my goal to help you reach your goals.  My team and I have spent the past several years creating a streamlined process centered in simplicity, speed, and most importantly, certainty.

The rewards come from continuing to challenge ourselves, from exceeding expectations, and from delivering on our mission – to create a platform for success with innovative tools, uncompromising support and an attention to detail.  

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WHY choose psm?

It's simple! It is our belief that to achieve more goals, obtain more knowledge, and achieve more successes you must maintain a wholly collaborative environment with your team. We take your experience and combine it with ours to nurture the constant evolution of our products and services to better serve you each and every day. 

WE OFFER MORE: MORE COMMUNICATION, MORE CERTAINTY, AND MORE APPROVALS.

THE FACTS.

HISTORY.

  • In business since 1997
  • Headquartered in Murrieta, CA (previously Edmond, Oklahoma)
  • Currently licensed in 8 states and growing

EXPERIENCE.

What makes us different? Our operations and support team has been involved in every facet of the industry with over 90% of them having originated loans during their careers. We know what's it's like because we have been there before! With our team and the past two decades behind us we have been able to evolve our way of doing business so every decision we make is based on whether or not it will benefit our Loan Originators. We don't like jumping through hoops so we make things as easy as possible when it comes to getting your loan approved and funded. 
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LEARN MORE ABOUT

LIFE AT PSM

View or download our recruiting brochure for a look at our culture, services, product offering, and loan process. We look forwarding to answer any questions you may have about us!

Marketing

Your Marketing Teams offers and array of marketing materials and support covering everything from branded swag to open house flyers. You have access to our CRM  which include is integrated with Encompass, allowing for borrowers to receive milestone update emails every step of the way, as well as loan anniversary, birthday campaigns, prospect campaigns, open house flyers and much more. You will also receive opportunity alert notifications regarding past clients and have the option to email hundreds of customizable emails and flyers to all of your contacts.

We love collaborating on new marketing ideas and material so feel free to share your goals with us. 

 

PRODUCT OFFERING.

 

CONVENTIONAL 

  • FANNIE MAE

Minimum Credit Score: 620

Standard & High Balance

DU Refi Plus

  • FREDDIE MAC

Minimum Credit Score: 620

Standard & Super Conforming Home Possible

Relief Refinance Open Access

  • NON-AGENCY /NON-CONFORMING/NON-QM/JUMBO

Minimum Credit Score: 640*

Maximum Loan Amount: $5,000,000* 

(*Exceptions may be considered)

GOVERNMENT:

  • FHA

Minimum Credit Score: 580 or NO Credit Score for Non Credit Qualifying Streamline

  • USDA

Minimum Credit Score: 580

  • VA

Minimum Credit Score: 580

Maximum Loan Amount: $1,500,000 

(lower credit scores are considered on extenuating circumstances, we hate to say NO) 

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NICHES: 

  • Non-QM
  • Foreign national
  • Non-warrantable condo
  • Asset Depeletion Program 
  • Self-employed bank statement qualification
  • Exception based lending
  • Piggyback 2nd Mortgages (Fixed, ARM & HELOC)
  • Manufactured Homes (Fannie Mae, Freddie Mac, FHA, USDA & VA)
  • Fannie Mae HomeReady
  • No FICO FHA Streamline
  • USDA Pilot Program
  • Interest only ARMs
  • 12 & 24 Month Bank Statements Products (cash-flow)

COMPENSATION & BENEFITS.

Our compensation and benefits packages are highly competitive.