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Ste. Chris White

Mortgage Loan Originator
NMLS#: 1484673

Phone: (831) 205-0768
Chris@conceptmortgage.com

Hello, welcome to my page.

First off, I’m not your typical loan officer.

Before I got into this business in 2015, I was living in the US Virgin Islands where I was a windsurfing instructor by day and a bartender by night. Living so far from my family was pretty rough on me though so after three years of island life, I moved back home. It wasn’t long after that when I friend of mine gave me an opportunity to get into the mortgage industry. Didn’t take long to find out that I was a natural. Within three months, I was one of our company’s top producers.

Originally specializing in VA loans, I found it very rewarding to help our active-duty military and veterans. As a child, I always dreamed of helping people so organically that I fell in love with this job. I am thankful that my career path has led me to Concept Mortgage and I’m looking forward to helping many more people close loans for years to come.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Ste. Closing

Documents are drawn and sent to the title company for closing.

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