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Richard Whitman with Texas Trust Credit Union was selected from 15,700 executives as a Five Star Mortgage Pro. Whitman is the VP of mortgage lending for the $726 million Texas Trust Credit Union. Less than two percent of all approved mortgage executives in the Dallas-Fort Worth market qualified for the award.

Texas Trust Credit Union’s vice president of mortgage lending, Richard Whitman, has received the 2012 5 Star Mortgage Professional Award. Whitman is one of 189 pros out of 15,700 in north Texas to get the award, which recognizes mortgage execs based upon overall buyer satisfaction. With over 20 years of mortgage experience, Whitman leads a Texas Trust team dedicated to creating happy householders with a service driven, member-focused approach to meeting their home loan wishes. Less than two p.c of all approved mortgage professionals in the 32-county larger Dallas-Fort Worth market qualified for the Five Star Award based on the study technique used. This year’s award winners were chosen based on an independent survey of more than 126,000 area buyers of homes worth $150,000 or more between June 2008 and June 2011. Extra surveys were submitted to title and mortgage servicing companies.

The survey asked respondents to judge the mortgage professionals that served them, based on overall satisfaction and whether they would highly recommend the pro to a friend. A panel of local economy experts determined the final results. “Richard Whitman embodies the Texas Trust spirit and philosophy in everything he does,” declared Jim Minge, president of Texas Trust Credit Union.

“Our mortgage lending has grown due to Richard’s service leadership ethic. Since 2008 we have been one of the biggest home mortgage corporations in the metroplex, and we are able to attribute that to Richard’s leadership together with our great rates and dedication to service.” The 2012 Five Star Mortgage Professionals will be profiled in the May issue of Texas Monthly mag. About Texas Trust Credit Union Texas Trust is one of the biggest credit unions in North Texas and the 21st biggest in Texas. It's been operating for over seventy five years.

Its business services include SBA and traditional loans, electronic payment cards, checking and cash market accounts, merchant card processing, web banking, insurance, and the Worker Solutions Network. With 58,000 members and assets of more than $726 million, Texas Trust operates in Dallas, Tarrant, and Henderson counties alongside parts of Ellis and Johnson counties. Texas Trust has 8 branches found in Mansfield, Grand Prairie, Arlington, Cedar Hill, and Athens.

For more information, visit TexasTrustCU Texas Trust is a federally insured finance establishment. Deposits up to $250,000 are insured by the full faith of the federal government thru the National Credit Union Administration (NCUA).

Before the 2008 crisis banks were giving out money like candy. The banks thought the country was on an upward spiral and were only using private and business credit to confirm loans at scary proportions. The business crisis started and banking modified for evermore. It was not possible to get a self employed unsecured loan for most entrepreneurs.

The accountant and the underwriter are on opposite ends when it comes to offering loans. The accountant writes everything off and the underwriter wants to see the highest altered revenue. This is the bad part when it comes down to loaning the self employed money. The solution is to find the proper unsecured personal loan or unsecured company loan. Niche banks have programs where they don't stress about the money flow. These banks are concerned about nothing but the gross sales of the business and the industry.

They're going to ask to sign a private money statement without financials (no doc / light doc). This could keep revenue numbers high without getting into the precise write-offs used by entrepreneurs. The higher the earnings, the higher the loan size.