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Home > Search UMB's > GOTeHomeLoans, Inc.
Christopher Cruise
Contact Information

GOTeHomeLoans, Inc.
4800 Hampden Lane
Suite 200
Bethesda, Maryland 20814

301-841-7680 x14 [phone]
[email protected]

Organization Affiliation

GOTeHomeLoans provides residential mortgage loans in California, The District of Columbia, Maryland, Pennsylvania, and Virginia, and commercial loans nationwide. GOTeHomeLoans is a neighborhood mortgage broker, always welcoming the opportunity to meet its clients face-to-face.

GOTeHomeLoans prides itself on its adherence to the ethics of the Upfront Mortgage Brokerís Association, and has built its company around these principles. But GOTeHomeLoans goes even further by making a Three-Point Commitment to its clients:

1. We will provide the Absolute Right Loan Product
2. We will provide Fantastic Value Pricing
3. We will provide a Sensational Service Guaranty 

Per the Sensational Service Guaranty, clients of GOTeHomeLoans receive a $250 refund if they are not 100% satisfied with the service. View this Three-Point Commitment and corporate support of UMBA ethics at www.gotehomeloans.com.

Contract With Client

Pursuant to the guidelines of the Upfront Mortgage Brokers Association, GOTeHomeLoans signs with the borrower an agreement on the exact amount and type of compensation which the company will receive. Any fees or commissions received on the file in excess of this amount are rebated to the borrower.

Technology Employed

GOTeHomeLoans uses top-of-the-line industry software to streamline the loan process and create the best experience for our clients. An online application is available to the client at wwwGOTeHomeLoans.com

Locking Procedures

At any time after the loan is registered with the lender, the borrower can choose to lock the rate. The loan officer always confirms the loan program, rate and terms, and loan expiration period with clients. Once the loan is locked, the loan officer provides clients with documentation of loan program, rate and terms, and expiration period, in writing. Everything is upfront, and GOTeHomeLoans hides nothing from its clients.

Third Party Fees

GOTeHomeLoans guarantees lender, broker and third-party closing costs on the day that the rate is locked. If at settlement any of these costs are higher than those shown on the Good Faith Estimate provided to the client at the time the rate lock is confirmed, GOTeHomeLoans will provide a broker credit covering the difference to the client at settlement.

Broker Fees
$0 Broker Fees
$0 Junk or Garbage Fees
$495 Processing Fee
No Discount Points, unless borrower chooses to pay to lower the rate.

  Christopher Cruise is one of the most-experienced trainers of residential mortgage loan originators, processors, and homebuyers in the nation. He began his mortgage industry career in 1988.

  He is one of five mortgage brokers in the country quoted in a column by Mortgage Professor Jack Guttentag on what makes a good mortgage broker. You can read the column at: http://www.mtgprofessor.com/A%20-%20Mortgage%20Brokers/what_makes_a_good_mortgage_broker.htm


  Chris is the former Senior National Corporate Trainer and Curriculum Developer for one of the nationís largest mortgage training companies. He now trains beginner and advanced originators and processors throughout the nation both for his own residential mortgage loan origination and processing training company and for other national mortgage training companies, including:






  Chris began his mortgage career in Maine and after four years originating there moved to North Carolina where he owned and operated a small, high-quality mortgage brokerage. He is now based in Washington, DC. He has trained residential mortgage loan originators and processors at the nationís largest mortgage lenders, including Countrywide, DiTech, New Century, Ameriquest, GMAC, and PHH. 


  Chris teaches the fundamental concepts and information needed to form a foundation for understanding the residential mortgage loan process. His training includes mortgage math, loan program comparisons, FHA/VA and conventional loans, qualifying income and assets, credit and credit scoring, reverse mortgages, taking a complete application, and marketing. Chris teaches both private, on-site classes and public classes.


  Chris has taught new and veteran originators how to pass loan originator licensing exams in such states as Maryland, Illinois, North Carolina, and Utah. He trains state mortgage examiners for the American Association of Residential Mortgage Regulators (AARMR) and state bank examiners for the Conference of State Bank Supervisors (CSBS). He has also trained housing counselors at training institutes around the country for the Neighborhood Reinvestment Coalition/Neighborworks.


  In addition to owning a mortgage brokerage in North Carolina, Chris taught housing counselors there, and for eight years he taught an 8-week-long home-buying course - which he designed - at community colleges in the state.


  Chris has studied, taught, and written about credit scoring for more than a decade.


  He has been quoted in Forbes Magazine, The Washington Post, US News & World Report, The Los Angeles Times, The Washington Times, The Chicago Tribune, The Associated Press, and The Wall Street Journal, among others. He has written extensively for mortgage trade publications such as Origination News, National Mortgage Broker, The Mortgage Press, and Internet Originator, and has contributed to www.BankRate.com Chris has written manuals on the subjects of Appraisals and Surveys, The Secondary Market, Understanding Mortgage-related Insurances (Mortgage, Title, and Homeowners Insurance) Understanding Credit Scoring, Understanding Reverse Mortgages, and The History of Mortgages.


  Chris is a longtime member of the National Association of Mortgage Brokers and served on the Board of Directors of the Maryland Association of Mortgage Brokers (www.mamb.org) and now serves on the Board of Directors of the National Association of Responsible Loan Officers (www.NARLO.com).

GOTeHomeLoans, Inc.
4800 Hampden Lane
Suite 200
Bethesda, Maryland 20814

301-841-7680 x14 [phone]
240-475-5633 [phone2]
[email protected]