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Deneen Bernard
As a CMPS, Certified Mortgage Planning Specialist, I am committed, qualified and equipped to implement mortgage, cash flow and real estate equity management strategies that help my clients build and conserve wealth, become debt free sooner, and achieve financial freedom safer and sooner.
I am COMMITTED to raising mortgage industry standards of practice, ethics and professionalism through individual membership, training and certification. I am QUALIFIED to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies. I am EQUIPPED to be a strategic resource to homeowners, first-time home buyers, move-up home buyers, senior citizens, real estate investors, Realtors, builders, attorneys, CPAs and financial advisors.
As a CMP, Certified Mortgage Planner, I assist borrowers on a more personal level by incorporating the mortgage decision with a Borrowers short and long-term goals. The term "Certified Mortgage Planner" is an effort to validate through education and subsequent certification a mortgage originator that has had specific training for the purpose of incorporating the mortgage decision with a Borrowers short and long-term financial objectives.
As a CDPP, Certified Divorce Planning Professional, I work exclusively with clients who are either considering or already in the process of a divorce and who are anxious about their ability to continue to pay their obligations and remain independent during and after their divorce plan and protect their CRADLE – Credit (Mortgage), Assets (Investments), Dependents, Life and Estate so that they can exit their divorce fiscally intact, remain independent and pay their divorce professionals in full.
As a certified Certified FICO Credit Analyst, I want you to know that the concept of "credit repair" is a misnomer, the use of which in conjunction with fraudulent and deceptive practices has become so commonplace that a federal law was enacted to stop fraud associated with these activities. The fact is that accurate credit information cannot be "repaired" as the name suggests. Seeking the help of a competent and knowledgeable analyst can help protect your rights and remove inaccurate, outdated, unverifiable, incorrect and other items from your credit report. I help my clients by assisting them in removing negative items from their report and subsequently they will see their credit scores rise so that they can get the best mortgage loan program and rates possible.
My background includes 15 years as the Public Affairs Coordinator for the New York Stock Exchange's Government Relations office in Washington DC, 8 years as the Innkeeper of Renaissance Manor Bed & Breakfast in Stafford, Virginia and I began my career in the mortgage industry in 2002.
Industry and community involvement:
"Homes For Heroes", Lender Affiliate
"Haven for Heroes", Board Member
Fredericksburg Area Association of Realtors (FAAR), Platinum Sponsor
Women's Council of Realtors, Fredericksburg Charter Member, 2013 Affiliate of the Year
Women in Business Leadership
Lifepointe Church, member & volunteer
Office/Mobile: 540-376-4194
Email: dbernard@affordablehomeloans4u.net
I am COMMITTED to raising mortgage industry standards of practice, ethics and professionalism through individual membership, training and certification. I am QUALIFIED to help clients achieve financial freedom, build wealth and experience their life dreams by implementing intelligent mortgage, cash flow and home equity strategies. I am EQUIPPED to be a strategic resource to homeowners, first-time home buyers, move-up home buyers, senior citizens, real estate investors, Realtors, builders, attorneys, CPAs and financial advisors.
As a CMP, Certified Mortgage Planner, I assist borrowers on a more personal level by incorporating the mortgage decision with a Borrowers short and long-term goals. The term "Certified Mortgage Planner" is an effort to validate through education and subsequent certification a mortgage originator that has had specific training for the purpose of incorporating the mortgage decision with a Borrowers short and long-term financial objectives.
As a CDPP, Certified Divorce Planning Professional, I work exclusively with clients who are either considering or already in the process of a divorce and who are anxious about their ability to continue to pay their obligations and remain independent during and after their divorce plan and protect their CRADLE – Credit (Mortgage), Assets (Investments), Dependents, Life and Estate so that they can exit their divorce fiscally intact, remain independent and pay their divorce professionals in full.
As a certified Certified FICO Credit Analyst, I want you to know that the concept of "credit repair" is a misnomer, the use of which in conjunction with fraudulent and deceptive practices has become so commonplace that a federal law was enacted to stop fraud associated with these activities. The fact is that accurate credit information cannot be "repaired" as the name suggests. Seeking the help of a competent and knowledgeable analyst can help protect your rights and remove inaccurate, outdated, unverifiable, incorrect and other items from your credit report. I help my clients by assisting them in removing negative items from their report and subsequently they will see their credit scores rise so that they can get the best mortgage loan program and rates possible.
My background includes 15 years as the Public Affairs Coordinator for the New York Stock Exchange's Government Relations office in Washington DC, 8 years as the Innkeeper of Renaissance Manor Bed & Breakfast in Stafford, Virginia and I began my career in the mortgage industry in 2002.
Industry and community involvement:
"Homes For Heroes", Lender Affiliate
"Haven for Heroes", Board Member
Fredericksburg Area Association of Realtors (FAAR), Platinum Sponsor
Women's Council of Realtors, Fredericksburg Charter Member, 2013 Affiliate of the Year
Women in Business Leadership
Lifepointe Church, member & volunteer
Office/Mobile: 540-376-4194
Email: dbernard@affordablehomeloans4u.net
Danielle Smith
Danielle is the team’s Loan Production Manager who assists our clients throughout the entire process of a home purchase or refinance. She is there for the borrowers step by step throughout the loan transaction and her goal is to enhance the experience of our customers by giving them a top notch team-inspired "WOW"!
After graduation from Charleston Southern University with a degree in Kinesiology, she moved on to The Citadel and completed her studies in Health, Exercise & Sports Science. She is now raising a family and sharing her passion for personal care through her Rodan & Fields business.
Her background in the mortgage industry began as our office clerk and part time loan processor during her college summer breaks. In 2011, she worked for two large national banks as a Mortgage Loan Specialist and Loan Production Manager. She has returned to our team with increased knowledge and experience that we know you’ll appreciate.
Office/Mobile: 540-424-5700
Email: dsmith@affordablehomeloans4u.net
Alex Bernard
Alex is currently employed as our loan processor. He is our client's "go to" person and handles all of our borrower's conditional loan approvals including ordering Verification of Employment, Home Appraisal Reports, and keeping our referral partners & agents updated on the transaction's progress. Ensuring a smooth road to settlement is his #1 goal!
As a professional poker player, Alex has learned to be disciplined, patient, focused and adaptable - all characteristics that come in handy in his daily job as our processor! He is also learning to build wealth with the progressive accumulation of rental properties in the Fredericksburg area.
Office/Mobile: 540-455-6175
Email: abernard@affordablehomeloans4u.net
Mercedes Martell
Mercedes is our Spanish customer care associate. She has a strong desire to help folks reach their goal of home ownership and is ready, willing and able to walk our clients through the often challenging process of getting approved for a mortgage. Having been a loan officer in the past, Mercedes has the knowledge of how the process works, combined with a selection of lenders and loan programs that fit into their specific situation.
Office/Mobile: 540-538-6813
Email: mercedes.homepossible16@gmail.com
Usman "Ozi" Sayed
Usman Sayed, otherwise affectionately known, as "Ozi", has a passion for helping our clients with their credit repair. He is the Administrator of our website, AHLCreditRepair.com and is seasoned in what it takes to get our clients in a position to buy a home.
Contact him if you are interested in becoming a referral partner or need assistance with your own credit profile.
As background, Usman has years of real estate experience in both the commercial and residential sectors. His career began at a local Virginia title firm in 2004 where he cut his teeth in the real estate world. He was quickly recruited into a newly formed title & escrow firm where he managed several million dollars worth of transactions each month. Two years later Usman went on to help his father launch a successful brokerage firm that has succeeded in growing throughout Virginia and is now serving Maryland and Washington, D.C. He has 10+ years of local and international real estate with over $100 million in completed transactions and a reputation for honesty, integrity, and fairness with a history of satisfied clients.
Office/Mobile: 703-419-5450
Email: ahlcreditrepair@gmail.com
Robert Reddick
Bob has over thirty years of international, senior field management experience in IT, International Documentation Standardization, Publishing, Government Contracting, Leadership Training, and High Performance Team Development. He served in the US Navy, as a FTG and surface Search & Rescue diver and was part of the Gemini IV Atlantic Recovery Force for NASA. Currently, he is President of Misty River Organizations, a consulting firm he has lead for the past 11 years focusing on Leadership Development and High Performance Team facilitation.
Bob loves to talk about his experience with reverse mortgages! He also has a burning desire to help Veterans become homeowners. Why not give him a call to find out more about his enthusiasm for helping folks in need.
Office/Mobile: 703-623-1362
Email: ahlreversemtgadvisor@gmail.com
ahlvetadvocate@gmail.com
