Welcome to El Shaddai Mortgage
EL Shaddai stands for or translated from Hebrew to English
meaning MORE THAN ENOUGH. With Alexander Barkhatkov as Owner / Principal
Broker Alexander is able to do just that!! MORE THAN ENOUGH, by being able to
assist with one convenient in-house transaction that covers all aspects of real-estate
purchasing and or refinancing needs without spending extra funds on various party
representations.
In the beginning Alexander Barkhatkov was told by his
previous long-term partner, that in order to become successful in the real estate field,
Alexander would have to Master Financing. Since 2003 Alexander Barkhatkov has done so
right away, through loan origination to building and opening El Shaddai Mortgage Brokerage
Business.
By this time 2007, being involved in handling a multitude of
real estate and finance transactions, Alexander has gained a superior knowledge as well as
the technical know how in real estate mortgage scenarios such as Pre -
Foreclosures, Foreclosures, Banked Owned - repossessions, HUD Homes, FIRST Time Buyer and
or related programs. But thats NOT ALL!!!!
Due to the dramatic real estate market shift in 2003 as well
as current market changes Alexander has been able to observe and gain a superior knowledge
as to how the banks and lenders look and react to these market conditions.
As
a licensed Real Estate / Mortgage Broker Alexander Barkhatkov offers essential expertise
that is needed in order to over see most difficult and complex real estate and finance
transactions. Within Alexanders Network you will find multiple licensed companies
that are owned and operated by Alexander that offer levels of expertise and education that
is second to none. In the past Alexander Barkhatkov has been able to take his master
negotiation skills and structure some of the most complex multi million Dollar wholesale
deals with some of the largest builders such as K.E.L. Homes, LLC, KB Homes, Mercedes and
many others of Central Florida.
It is imperative for every investor and or client to
understand that as a licensed Mortgage Broker Alexander Barkhatkov provides many years of
experience. When it comes to property purchase and or refinance our clients have been able
to identify that it is always a good idea to obtain a secondary opinion that Alexander
provides. It is also a rule of thumb that the less number of parties involved in any given
transaction the cheaper it is to obtain and or acquire. In other words, the less number of
parties handling your transaction, middleman such as Realtors, Mortgage Brokers, Banks or
Lenders, the less you are going to spend on buying and or selling your property.
With Alexander holding multiple licensure in Real Estate and
Mortgage fields Alex is able to identify any and all investor / client needs that they may
have
such as: it is not important to pay and spend extra on 30 or 40 year fixed
product if you are planning on selling your home in a near future, interest only with 40
50 amortized schedule would be the key
Other applicable situation such as:
certain individuals and or investors normally would like to see a greater rate of return
and generate maximized margins through shortest time frame available.
It is important to know that many programs do exist out on
the market catering to specific needs recognizing that every real estate transaction and
or venture is unique. With that being said many loan officer - brokers simply dont
know how to identify a real estate transaction. For example, how can you shop for the
right product and choose the right financing option if the real estate transaction cannot
be identified? Loan Officers simply cant calculate nor cater to investors who desire
to generate certain rate of returns. They just do loans!!! Many loan brokers and loan
officers dont realize that a real estate transaction has to be structured correctly
in order to obtain best possible, feasible financing that does not cost too much time or
money, which happens to be the most important and greatest asset to any client / investor. In order to structure a feasible real
estate transaction, any real estate agent would have to have mortgage lending and finance
experience, and as you can see one factor is just as important as the other.
In any investor related scenario it is clearly understood
that the most important factor is time, which gets overseen by almost everyone. With that
being said real estate and or investment opportunity always have a time limit. It is also
true and correct to say that all investors do, is buy time, and the less they spend on it,
and the more time they buy, the more money is going to be generated. If you are going to enter into any type of real
estate or finance transaction, dont just apply!!
Let us help you foresee your short-term tactical, as well as a long-term strategic
goal. The success of your transaction depends on it.
Alexander Barkahtkov
Principal
Broker / Owner |