MLB RESIDENTIAL LENDING

CARL ROBINSON

Mortgage Loan Officer NMLS# 2443662 MLB Residential Lending NMLS# 1188395
51 Commerce Street, Suite 101, Springfield, NJ 07081 (973) 500-3253 (908) 312-5333

ABOUT ME


"The Santos Mortgage Team" of MLB Residential Lending serves the lending needs of homebuyers, homeowners, real estate professionals, and builders. Our staff is passionate about assisting others in fulfilling the American Dream of homeownership, making the process as simple as possible. As a community-focused lender, MLB frequently and consistently contributes to the well-being of our local communities by participating in local charitable organizations and engaging in the growth and development of a fair market for homebuyers.


Our leader and CEO, Samuel P. Lamparello, plays an integral role in The Community Home Lenders Association (CHLA). The primary goal of the CHLA is to be a distinct national voice and advocate, for small and mid-sized, non-bank lenders across the United States. The CHLA is diligently working towards creating a fair and equal regulatory environment for small non-bank lenders. Bringing parity into the market creates competition, which ultimately benefits the consumer.

What makes us proud to be your lender?

  • Experience: our executives, each have over 30 years experience.
  • Program Options: MLB offers programs to meet the needs of most families
  • Closings: your loan will close in accordance to your needs
  • Technology: our cutting edge technology allows customers to remain informed throughout their application process
  • Our Promise: to deliver the best rates and terms custom to each applicant
  • Loan Originator Commitment: to stay with your application thru closing and is willing to be available after normal business hours
  • MLB Commitment: to be your local direct mortgage lender

It was our dream in founding our company that homeowners are ready for a creative and imaginative mortgage source within their own community. We recognized, for example, the important relationship that exists between the borrower and the lender, and foresaw the opportunity for creating a better service to our customers by providing access to local branches in addition to the internet. Our plan was to have an office near you and give you the choice to visit personally or through a web address.


We have also learned from our long experience in the Real Estate/Mortgage field what realtors and home buyers desire most from a mortgage banker: the sensitivity, flexibility, and competence for rendering a genuinely responsive service. Building on standards like these is enabling us to realize our dream of what a mortgage company should be. MLB is becoming one of New Jersey’s leading and most innovative providers of home mortgages. Our financial resources place us in a strong position for supporting our steadily expanding mortgage volume. Evolving with our growth has come a full range of services, tailored with imagination to accommodate the mortgage needs of a wide and varied circle of prospective homeowners.


GET STARTED
Price of Homes
$
Down Payment
$
Loan Term
Interest Rate
Home Insurance (optional)
$
Property Tax (optional)
$
Mortgage values are calculated by Lofty and are for illustration purposes only, accuracy is not guaranteed.

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

Application & Processing

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.