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Since 2007, Tony Cubbage has gained extensive experience in the financial industry. It's a career that has already touched nearly every facet of the mortgage lending world. Proficient in loan products including: conventional, jumbo, FHA, VA, USDA, construction, renovation loans and portfolio lending.
This wide experience has given Tony perspective on what clients really need: someone who listens:
"'Seeking first to understand, then to be understood'" helps me keep the clients engaged and active throughout the entire process," Tony says. "Buying or refinancing a home is likely the biggest financial decision of their lives. My focus is on finding all the best options to help make that decision an educated one."
"My clients have many different needs. First time homebuyers, homeowners benefiting to refinance, investors on rental properties or buying land for construction of your dream home; happy to walk hand-in-hand through the process."
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.
The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.