There is no place like NOLA: Candy Chang: Before I die I want to...

This video is such an inspiration. After watching it, I shared it with the staff at Peeples Lending and watched everyone as they watched. In a span of 6 1/2 minutes Candy Chang had the entire office go through all of the emotions. We laughed, we cried, we were inspired!



Candy Chang, we are proud to have you as a representation of what not only New Orleans is all about, but what life is all about!



Visit our Pinterest Board to learn more about Peeples Lending  LOVE OF NOLA!

Meet Melanie!

Melanie Cochran is Peeples Lending's Senior Processor and we are proud to have her on our team!

Meet Melanie!

 

 

 

I've been in the mortgage industry for 25 years.

I didn't really decide to get into the mortgage industry, I kind of just fell into it.  I stayed in it because of the good feeling I get when I help someone to buy their new home.

I love working for Peeples Lending because I feel like it's a family that I'm part of and I get to provide the customer service to my clients that I feel they deserve.

Helping people to purchase their home inspires me.

My most memorable mortgage moment was when I had a client who was so stressed out and distraught over the conditions the underwriter was requesting that she started crying and was talking about giving up.  I calmed her down and told her that we will get through this together.  I told her that I wasn't giving up on getting a final approval for her and I wouldn't let her give up either.  She was so excited when I called her and told her she was finally approved and told her when she was closing and would become a homeowner.


What I love about NOLA is the food, the spices, the entertainment, and the architecture.  To name a few.

For fun I like to go camping, dancing, listening to live bands, and seafood boils with friends and/or family.

My favorite movies are:

I'm obsessed with Mexican food.  I love it!!!!!!

Not really obsessed with any song at this point. 

The quote I try to live by is "Take it one day at a time and enjoy life while you can".

The only nickname I've gone by is Mel.



Melanie D. Cochran
Peeples Lending Services LLC
1100 4th St.a
Gretna, LA 70053
(504)368-2886 (office)
(504)368-1448 (fax)
melanie@gopeeples.com

Friend me on facebook and Linked In to see all of the latest rates and mortgage news!

Telephone Tuesday

 Telephone Tuesday

The Peeples Lending team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area, but the relationships we build at Peeples is what sets us apart.

Loans are a very complicated financial task which can be very stressful, time-consuming, and emotional. It is very important that you trust your lender and know that they are on your side, doing everything in their power to make your loan happen.

These days, with so much modern technology and social media, you can actually go through the entire loan process without ever actually talking to your loan officer. At Peeples Lending, we feel that conversation is what actually builds the relationships between lender and borrower. We believe that one of the most important elements of the service we provide you concerns your mortgage and credit "education".  The better you're educated and informed as you enter and navigate your transaction, the better equipped you are to make sound decisions regarding your financing and mortgage process, but also your financial future. 

Our motto at Peeples Lending is:

Do your best - Do the right thing - Show people you care

There is no substitute for understanding what you are doing.
Loren P. Meissner
(Author of Fortran)

There is no wealth like knowledge, and no poverty like ignorance.
Buddha
(c. 400/500 BC, founder of Buddhism)

To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout our website www.gopeeples.com.

We look forward to working with you & helping you achieve your dreams!

 

Carlos J Muniz

Peeples Lending Service LLC
Company: NMLS # 943248
Personal: NMLS # 78668
telephone 504-368-2886
Fax :    504-368-1448

 

 

Mortgage Application Checklist

At Peeples Lending, we want to do everything in our power to make your loan process as easy as possible. Educate, amuse, and enrich. Three simple words get right to the heart of what we do. The following is a checklist to ensure that you are prepared for the application process and nothing is overlooked.

This information is required of all borrowers and co-borrowers. Not all may be applicable.

Loan Information

• Loan application completed
• Type of mortgage applied for
• Loan amount
• Interest rate
• Number of months
• Amortization type
• Purpose of loan
• Refinance section (if applicable)
• Titled in what names
• Source of down payment
• How was the application taken
• Borrower & Originator signatures and dates

Personal Information

• Full name
• Contact numbers
• Current mailing address
• Years in school
• Marital status
• Number of dependents and their ages
• Previous mailing address if current is less than 2 years
• Copy of driver's license or picture identification (front and back) for all borrowers
• Social Security number
• Copy of fully executed divorce decree, if applicable
• Copy of child support decree, if applicable

Employment Information

• Name of Employer
• Employer's contact numbers
• Position/title
• Type of business
• Years on the job
• Years employed in this line of work
• Copy of pay stubs for the last 30 days for all borrowers
• Copy of W2s for previous 2 years

Financial Information

• Copy of previous 2 years tax returns (personal and business, if self-employed)
• Copy of mortgage statements if applicable
• Name, address, and phone number of landlords for previous 2 years,  if applicable
• Copy of leases on rental properties
• Copy of 2 months bank statements for all checking and saving accounts, including any 401K, retirement, CDs, stocks, mutual funds, consecutive, all pages with LOE if there are any significant deposits out of the ordinary
• Monthly income
• Present housing expenses
• Any additional income
• Government monitoring information
• Assets
• Liabilities
• Any additional income using to qualify
• Schedule of Real Estate owned

Information About the Home you are Financing

• Copy of Purchase Agreement signed by all parties, if applicable
• Property address
• No. of units
• Copy of Earnest Money Deposit, if applicable
• All applicable loan documents and disclosures signed and dated by all parties