"A goal without a plan is just a wish. --Antoine de Saint-Exupery"
, MANAGING DIRECTOR
2009; Top Ten 2009
What Are They Saying About Debra Shultz?
Click Here for Testimonials.
Knowing most borrowers have limited spare time, Debra
delivers white glove service & holds the hand of each & every client from pre-approval to closing.
starts with a complimentary consultation in which she
extensively analyzes their income, assets, debt & credit profile.
counsels them on their ability to qualify for a mortgage loan & the product that best suits their current & future financial & personal needs.
Last, but certainly not least, she
educates them on the reasons behind the product they chose & the wonderful benefits they can expect to reap as a homeowner.
winning formula is her
Debra is a Director at The Manhattan Mortgage Company and an accomplished Senior Mortgage Consultant with 10+ years of sales, marketing & operations experience.
She's an expert in residential & commercial mortgage financing for all property types, including 1-4 FAM, condos, coops, condops, condotels, new developments, new construction, conversions, mixed use, & true commercial.
has strong relationships with many of the nation's top wholesale lenders & is sought after by industry leaders for focus groups, pilot programs, software beta testing, & product opinions.
Debra is also an expert in mortgage financing for international buyers.
has worked with buyers from all around the world.
most recently closed transactions for buyers from the UK, France, Italy, Spain, Germany, South Africa, Dubai, Saudi Arabia, Russia, Japan & China.
has US & European product options for non-U.S. citizens looking to purchase residential primary residences, second homes & investment properties.
Product features include, but are not limited to, interest only payments, multiple currency payment options, collateralization of personal assets rather than the real estate, no income verification, 100% financing, title held in the name of an LLC, & off shore servicing of the mortgage.
has extensive knowledge of overseas currencies & sources of income & assets, and has resources for the certification & translation of foreign documentation.
On top of being fluent in English, Debra
is also learning French.
also works closely with a team of Manhattan Mortgage account executives that speak fluent French, Italian, Spanish, Portuguese, German, Romanian, Hebrew and Farsi.
If you require a translator for a language not listed, Debra
can accommodate via an outside translation service.
is assigned to cover certain branch offices of a top Manhattan Real Estate company.
spends time speaking on panels, delivering presentations on the current market, mortgage products & rates, and other topics important to real estate professionals, leading round table discussions, & offering one on one time for individual agents.
agents by hosting their open houses, creating "Rent vs Buy" & "Purchase Costs Analysis" sheets, pitch kits for new developments, personalized marketing pieces for individual agents, and of course delivering extraordinary service to their clients.
core business partners include real estate agents, attorneys, developers, contractors, CPA's/accountants, CFAs, insurance brokers & of course, her
Debra graduated Summa Cum Laude from Hofstra University in 1993 with a Bachelor's Degree in Business Administration & Marketing.
In August of 2007, she
graduated from the CMPS Institute of Michigan
as a Certified Mortgage "Advisor".
brings a financial "edge" to her
incorporates five essential skill-sets into each transaction:
is headquartered out of our Madison Avenue office.
focused on the Manhattan market, while continuing to maintain & grow the relationships she's
forged outside of The Big Apple.
leisure time, Debra
enjoys living in and exploring New York City, volunteer work, learning the guitar, football season, Broadway, museums, all types of music & furthering her
actively pursues an organic & holistic lifestyle.
Debra is personally registered as a mortgage originator in the states of NY, NJ, CT & FL.
can also originate loans through The Manhattan Mortgage Co., Inc.
in the states of MA, NH, VT, NC & IL and through The Manhattan Mortgage Company
in CA. Please also ask Debra
about loans in the states of PA, CO, ME, AK & HI.