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About Brian

Brian Martucci, NMLS# 185421, started in the mortgage business in 1986 right out of college, and has never left. He helps consumers find the best mortgage loans to purchase a new home or to refinance an existing loan. He lends in all 50 states. Brian works with Capital Bank Home Loans who is a direct lender. He is committed to finding the best terms while providing a high level of customer service.

His business philosophy has been to worry about his client’s wallets more than his own.

Throughout the entire loan process, he provides clients with all of the educational tools and resources they need. From the Loan Status Tool that clients can use to guide them through every step of the loan process to the helpful blog posts written by Brian himself. And because everything is done in-house, Brian is able to offer fast closing times.

No matter where you are in the United States, Brian can help. Contact Brian now for a no-obligation rate quote or to schedule a call about your loan options.

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Consumer Benefits:

Extensive product options offering competitive pricing.

End-to-end security for your online mortgage application.

Everything done in-house on most loans which increases turn times and efficiency.

“Float-Downs” on many products means you may get a lower interest rate after initial rate "lock-in".

Team of 4 people that supports each client.

Achievements:

#1

He was the #1 producer in his company in 2015, 2016, 2017, 2018, 2019.

#2

He was the #2 producer in his company in 2020, 2021.

#3

He was the #3 producer in his company in 2014.

Blog

September 10, 2022

Using Retirement Account As Income For A Mortgage

There are times that I have used a mortgage borrower’s retirement account balance/s as income, even if the borrower is not currently taking required withdrawals from the account/s. But how can an asset be used as income? It can, and the guidelines allow it. However, there are many rules to consider. The mortgage must be…

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August 10, 2022

Are Housing Values Dropping Now?

Potential homebuyers who contact me for a mortgage are now frequently asking if they should wait to buy a home.  The implication is that people are now worried that housing values are going to fall, so why buy now? Isn’t it smarter to wait? Maybe, maybe not. It is understandable why everybody is asking the…

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July 10, 2022

Cash Reserves Requirements For Jumbo Loans – UPDATE

Jumbo loans, also called Non-Conforming loans, are loans that do not conform to the Conforming loan limits. Conforming loan limits can be found by clicking here. If you have a loan amount that is higher than the Conforming loan limits, then you have a Jumbo loan. Jumbo loans require that a mortgage borrower has cash…

Read more about Cash Reserves Requirements For Jumbo Loans – UPDATE

Loan Tracking

Use this tool to be informed and prepared at every step of the loan process.

How does it work?