Floor one
Theo Brandt
First-time buyers
Runs the affordability conversation backwards: from the payment you can live with.
A written character. Not a real person.
Floor two
What this character is for
Theo works with people buying their first home. He starts from the payment somebody can live with on a bad month, not from the maximum a ratio permits.
The affordability calculator names the binding constraint because of an argument he lost, twice, about which number was doing the work.
Every person on this demonstration’s team page exists to carry one argument the site wanted to make about lending, so that the argument has somebody attached to it rather than floating free in marketing copy. That is the whole of the fiction: there is no career history here, no volume closed, no award, and no number that could be mistaken for a record of anything.
Floor three
What would sit on this desk
At a real lender, these are the three things this role would spend its week on — and each one has a page here that does the arithmetic instead.
Down payment assistance
Debt-to-income limits
Closing costs
Floor four
Reaching a person who is not there
Direct line
(414) 555-0159
Inside the 555-01NN block reserved for fiction. It cannot ring anybody.
Licence
Not published
A real originator’s NMLS ID would sit here. Why this one does not is on thelicensing page.
Nothing on this page reaches anyone. If you want the thing a phone call would have been for, the calculators will answer it faster and show you the rule they followed — and Storey Home Lending would not be able to quote you anything anyway, since it publishes no rates and holds no licence.