CCMC on Facebook
Bert Carpenter & Aly Lively, Chandler, AZ Mortgage Loan Originators

Bert Carpenter & Aly Lively

Chandler, AZ Mortgage Loan Originators

Our Promise

At Cherry Creek Mortgage Co., Inc., there are no gimmicks. We value people above all else. We believe the best mortgage outcomes start with the best people.

For every customer and partner who walks through the door, we make this promise and we stick to it.

Our Vision

We play a significant role in serving America’s home ownership needs. In this process, we aspire to meet and exceed your expectations by delivering specialized services to help you find the right loan that meets your specific needs. We strongly believe, that this kind of service should be the standard for excellence in the mortgage industry.

About Our Team

As Team leader, Bert Carpenter brings 40 years of Financial Services experience. Lending since 1978, Bert chose to specialize in Mortgage Lending in 1998. Certified by the National Association of Mortgage Professionals as a Certified Mortgage Consultant, Bert is proud to be one of fewer than 120 Mortgage Professionals in the country to hold this distinguished designation. In addition, Bert is proud to be Arizona’s first recipient of the coveted Lending Integrity Seal of Distinction, awarded by the National Association of Mortgage Professionals. Bert is Licensed in Arizona, California and Washington.

Alyson ‘Aly’ Lively joined the team in August, 2015 after several years in various mortgage lending and mortgage servicing positions. As our newest Mortgage Originator, Aly brings an energetic pulse to the team. With a strong desire to find the right solution for every borrower, she has proven herself fully capable of assisting those borrowers with even more complex credit situations.

FAQ

What happens once I am pre-approved?

You are ready to buy a home! After you receive your pre-approval, it’s very important to inform us of any changes to your financial picture or credit history as this could impact the amount or type of loan for which you’ll qualify once your loan is fully underwritten.

How do I know what type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Cherry Creek Mortgage can help you evaluate your choices and help you make the most appropriate decision.

When should I consider refinancing?

Many different factors need to be analyzed to determine if refinancing is right for you, such as the length of time you intend to stay in your home, the type of loan you currently hold, or whether you’re currently paying monthly mortgage insurance. We are always happy to provide a recommendation for your particular circumstances.

What are the borrower’s obligations?

Obligations under the HECM for Purchase are the same as the traditional HECM reverse mortgage. You must continue payments for property taxes, homeowner’s insurance, any homeowner’s association fees, and the cost for basic maintenances of the home, in order to avoid defaulting on the loan.

There are some aspects of the HECM for Purchase that differ from the traditional HECM reverse mortgage. Because reverse mortgages are meant to help seniors age in place, you must move into the new home within 60 days after closing, and the new home must become your primary residence.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate can change after a specified period of time. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.