Joe Maggio Realty

Neil & Debra Dickerson

302-604-3756 or 302-604-3620
nsdickerson@verizon.net
THE DEBNEL GROUP
www.neildickerson.com

David Bryce Mortgage Loan Originator

David Bryce
Mortgage Loan Originator
NMLS# 134462
Cell: 302-312-7331
dbryce@annie-mac.com
davidbryce.annie-mac.com

AnnieMac Home Mortgage is an Equal Housing Lender. Corporate NMLS# 338923. AnnieMac Home Mortgage, 700 East Gate Drive, Suite 400, Mount Laurel, NJ 08054. American Neighborhood Mortgage Acceptance Company is licensed by the New Jersey Department of Banking and Insurance (#NO00004875), Licensed by the Pennsylvania Department of Banking as a Mortgage Lender (#33587), Maryland Mortgage Lender (#19406), Licensed by the Delaware State Bank Commissioner to engage in business in the State #011546. For additional licensing, please visit www.nmlsconsumeraccess.org.

Mission Statement: AnnieMac’s sole mission is to earn your business through exceptional service…again and again.

Vision Statement: AnnieMac will set the industry standard for customer service, quality and integrity while providing an innovative lending and servicing platform that allows our borrowers to responsibly experience the benefits of homeownership.

David Bryce knows that buying or refinancing a home is likely the biggest financial decision of his clients’ lives. That’s why he makes a point of consulting with clients throughout the process, so they can be informed and active participants in the transaction.

David has an extensive background in all facets of mortgage lending and helping clients with many unique needs either become new homeowners or benefit from refinancing. His expertise includes Conventional, Jumbo, FHA, 203K, VA, USDA, and Reverse loans.

He also makes a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so he can serve as an informed advocate for his clients.

David’s focus is on not merely getting his clients a loan, but the best loan for them.

AnnieMac Home Mortgage is a direct seller/servicer with FNMA, FHLMC, and GNMA in addition to an array of correspondent investors and several strategic broker outlets, along with agency direct financing.

CONVENTIONAL:

• 3% Low Down Payment / HomeReady

• 3% seller assist to 90% LTV / 6% seller assist under 90% LTV
• Non-Occupying Co-borrower allowed

• Conversion of Primary Residence to Investment – Rent can be Utilized

• Low Monthly PMI Rates

• HomeStyle Renovation Rehab Loans

 
FHA:
• 3.5% Low Down Payment
• 6% Seller Assist
• Down to 580 credit score
• Non-Occupying Co-Borrower Allowed
• 1-4 Units Max Financing – 3.5% Down Payment
• W2 Only Program Available
• Manual Underwriting Available for Credit Challenges
• 203k Red Carpet Rehab Loans
 
VA:
• Active Duty, Reserve and Retired Military
• 100% Financing
• No Monthly PMI
• Manual Underwriting for Credit Challenges
• Relaxed Credit Guideline
 
USDA:
• 0% Down Payment
• 6% Seller Assist
• 620 Credit Score
• Loan amount up to 101% of appraised value – finance closing costs
• Income Requirements set for each County

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Joe Maggio Realty

Neil & Debra Dickerson

302-604-3756 or 302-604-3620
nsdickerson@verizon.net
THE DEBNEL GROUP
www.neildickerson.com