Brian Idleman is a Sales Leader / Mortgage Consultant with Element Mortgage, a division of American Pacific Mortgage. His extensive knowledge and insight of the mortgage industry provides his clients with a wide selection of the latest residential mortgage products. As a proud home-owner, husband and father, Brian clearly understands and explains the many options that lead to the most important financial decision you’ll ever make. He is focused on giving a chance of home ownership, the American dream, through loan origination. Brian believes the more you know about the various mortgage loan products that are made available, the more you’ll appreciate his ability to identify and explain each of the steps towards meeting your goals, weather you are a first-time buyer or, a season investor.

My mortgage experience precedes the current computerized lending guidelines and procedures, when everything was done by hand, on paper, and in triplicate. My early training in the mortgage lending environment consisted heavily on underwriting loans, while processing them, rather than collecting information, and leaving the lending decision/s solely up to a mortgage underwriter. Brains and calculators did most of the thinking, before computers started making the majority of lending decisions, and became so engrained into the culture of this industry. Loans were more rigidly scrutinized, based on numbers and strict lender guidelines, rather than current determining factors, such as, computer loan approvals through “Automated Underwriting” engines (AU) utilizing credit scores (FICOs).

With the introduction of AU into the lending world, I was able to be involved in the early development of computer lending and decision making. In 1996, Fannie Mae and General Motors Acceptance Corporation Mortgage (GMAC) partnered in the development of streamlining the lending process through a computer underwriting software system, Desktop Underwriting (DU), revolutionizing the way mortgage lending decisions were to be made, while I was employed with GMAC. About the same time, Freddie Mac released their version of the software, Loan Prospector (LP). This early training in the development of these underwriting engines became invaluable to me, as it also allowed me to easily adapt to many of the banks’ soon to follow versions of their own underwriting software systems, and/or interfaces to existing AU decision making systems.

1741 E Roseville Pkwy Ste 300 Roseville, CA 95661

Office: 916.787.9977

Cell: 916.806.0559

Fax: 916.471.0266