Louis Stathakis is a mortgage professional for Pacific Capital Mortgage, located in Carmel Valley, CA. He specializes in Jumbo, Super Jumbo, Stated Income, and Private Money loans. Louis’ experience in the financial services industry as a portfolio manager allows him a unique perspective of the mortgage industry. His past work experience provides him with a rare ability to manage debt as a major part of a comprehensive financial plan.

As a loan officer for Pacific Capital Mortgage, Louis has access to main stream and niche portfolio banks.  In this market, his relationship with portfolio lenders that are not subject to the secondary market are of utmost importance.  It is these lenders that will look at the entire loan scenario to decide if a loan should be funded.  Many of the national banks have criteria that cannot be modified or broken in any way.  Portfolio lenders can take in compensating factors in making their underwriting decisions.  It is these crucial

relationships that allow Louis to be successful in these tough times.

Additionally, Louis works with forward-looking investors who who have identified the current market liquidity crisis as an excellent opportunity for a strong rate of return.   Financial markets have pulled back beyond anyone’s imagination and there are many credit-worthy borrowers that cannot obtain financing.  This has created a robust market for liquid investors seeking returns exceeding those currently found in bonds and treasury notes.   Louis can match investors with loan scenarios corresponding with their criteria for risk and return on investment.  The notes are secured by the borrower’s current equity and notes rates are based on factors such as loan-to-value, credit, assets, and capacity to pay.