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October Newsletter 2022

Updated: Sep 18, 2023


Grab your coffee, take a seat, and see what Essex has been up to this month!

Every month we post to our social accounts but sometimes, that gets lost in the massive amounts of content found online at any given moment. So, we at Essex want to send you a monthly newsletter detailing all the amazing things we are up to!

Here's what you'll find in this newsletter:

page 1


Top Loan Officers & Employee Spotlight

Top Loan Officers from last month:

Todd Collins, Jahaira Contreras-Loza, and Keith Murphy


"I would highly recommend Todd. Getting prepared to purchase a house is never an easy process but with the help of all of the professionals in his office, the loan process was made less stressful. Thank you so much!" - Jennifer, CA


"I cannot say. enough great things about Jahaira! She treated us like family. So caring, so prompt, so knowledgable. My experience was great because she made it great." - Romeo, NV


"The personal attention to detail was outstanding. All my questions were answered and all my concerns addressed. I couldn't have asked for abetter guide through the process." - Daniel, CA


Employee Spotlight:

Zach | Web Developer

Question: How long have you worked at Essex?

Answer: 2 years

Question: Why do you like working at Essex?

Answer: Working at Essex Mortgage has been amazing. At Essex I am able to build innovative tools and systems that enable loan officers to make informed and data-driven decisions that benefit future homeowners.

Question: What's a fun fact of yours?

Answer: Deep Sea fishing is one of my favorite hobbies. My dad got me interested when I was young and it's some of the best times when we are on the ocean.

Question: What is your favorite vacation spot?

Answer: I love vacationing in Mammoth, CA with my wife, Rachel, and dog, Millie. We love the scenic hikes and of course fishing.

page 2


About Essex Mortgage

community spotlight

In 1989, HomeAid Orange County was founded to provide housing for individuals experiencing homelessness. So far they have built 70 housing projects for those that are experiencing or at risk of homelessness. In addition to the construction of housing projects, HomeAid collects and allocates essential items to those that need it. HomeAid Orange County continues to make a positive impact in their community and be leading advocates for housing as a human right. Click the link to learn more:


our story

Hailing from Essex, England, Roland Weedon founded Ess

ex Mortgage in 1986. With a background in education, Roland remained adamant that educating the client wouId be the company's #1 priority. Today, Roland still holds to the fact that an educated client is best quipped to make decisions that are not only in their best interest, but also help in achieving both short and Iong-term goaIs.

page 3



ortgage Education

closing costs

These are the costs that complete the mortgage tran

saction and transfer the title of a property from the seller to the buyer. Closing costs are any expenses over the purchase price of a property including taxes, financing costs, title search, etc. While closing costs vary by location and value of the property, they are typically between 2% and 5% of the purchase price.

adjustable rate mortgage (ARM)

An adjustable rate mortgage (ARM) is a type of loan for which the interest rate can change, usually in relation to an index interest rate. Your monthly payment will go up or down depending on the loan’s introductory period

, rate caps, and the index interest rate. With an ARM, the interest rate and monthly payment may start out lower than for a fixed-rate mortgage, but both the interest rate and monthly payment can increase substantially.

mortgage rates

With mortgage rates rising in the past few months it may seem like the wrong time to move into your dream home, but if you are ready, there is no better time than now to start your journey to homeownership. The current rates still remain at a low enough point to help you meet your financial goals. Seeing rates rising may be alarming, but we are here to answer any of your questions and help you find a mortgage to bring your family home.

page 4


Essex Mortgage News

Announcements From Correspondent

  • Our DPA program is setting records every single month!

  • David Sears, Duncan Vance and Charlie Nager recently represented Essex at the Great River Conference in Memphis, TN and got the chance to meet Elvis.

  • We will be attending the Mortgage Bankers Association Secondary and Capital Markets Conference in New York from May 21-24.

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