Harv Wyman

Harv Wyman, The Mortgage Manager
By Shelley Hudson

As the South Orange County real estate market slowly inches its way to a more favorable climate, homeowners, prospective homeowners, and market watchers inevitably shift focus to property values, refinancing, and optimizing investment strategies. With new government regulatory pressures and increasingly stringent lending requirements in place, partnering with a seasoned industry veteran is a pivotal decision toward securing your financial future.

With a 25-year career in the local mortgage finance arena, Harv Wyman has witnessed the extreme highs and lows of the Southern California real estate market. As a graduate of USC, Wyman made his home in Laguna Niguel, where he and wife Kim have raised their four children, coached youth teams, and enjoyed a 20-year membership at the Monarch Beach Club and the El Niguel Country Club. “Over the years I have made so many great friends and acquaintances; that’s why I love doing this. I like being entrenched in the community and helping my neighbors make the right choices,” shares Harv.

After operating his own brokerage firm for many years, Wyman recently transitioned to a position as Senior Mortgage Analyst with Alpine Mortgage Planning in the Ocean Ranch neighborhood of Laguna Niguel. As a subsidiary of Pinnacle Capital, Alpine Mortgage boasts unparalleled strength and unlimited resources within the industry. “It’s amazing to be able to present such a variety of lending programs to clients,” says Wyman, “Since Alpine funds its own loans, I have a flexibility that I was never able to offer in the past. I have absolutely everything at my disposal.” In addition to conforming and jumbo loans, Alpine provides FHA/VA, interest-only, reverse mortgages, and special programs for borrowers who don’t quite fit the criteria of traditional lenders. Clients who have suffered setbacks from a flagging economy such as a short sale, bankruptcy, or foreclosure can take advantage of Alpine’s Alternative Mortgage Program, which is designed to get families back into homes without the “seasoning time” requirement. “Most companies can accommodate the ’round peg-round hole’ buyers, but we can extend our services to a wider segment of the population. With Alpine’s own mortgage-backed security, almost anything is possible,” adds Wyman.

Changing legislation in the mortgage industry has resulted in tighter restrictions for both lenders and borrowers. Despite a challenging regulatory environment, Harv asserts that Alpine’s core competencies lie in the versatility and financial strength behind the company’s product mix. His ability to offer more competitive, high performance programs—and to fund them faster—allows him to deliver results for his clients under circumstances where other mortgage brokers and bankers can’t. The accessibility to specialized products, coupled with concierge-level customer service have generated a loyal and long-term clientele for Wyman.

Harv’s analysis of current market conditions is optimistic, but guarded. “The historically low interest rates helped stimulate the local economy toward a rebound, but rates have been slowly creeping back up. In fact, we’ve seen a full percentage point increase since May. Combined with the usual seasonal sales slump, more properties on the market, and rising prices, buyer incentive has plateaued. All signs point to a continuation of suppressed interest rates through 2014, however. The traditional home-selling season is Spring, so we expect to see a similar boost in activity this year as well.”

Let Harv Wyman’s experience and resources work for you. To learn more about mortgage and refinancing opportunities you might not find elsewhere, call Harv directly at 949.939.3410 for a private consultation.