Meet Your Branch Manager
- (225) 329-8375
- druckerproperties7@yahoo.com
- Chambiss Mortgage Capital Brochure
"Branch Manager"
Detoine L. Rucker, born and raised in Baton Rouge, Louisiana, now resides in Houston, Texas. A graduate of Baker High School (Class of 1995), Detoine earned an Associate Degree in Business from Baton Rouge Community College in 2001. He launched his real estate career by attending Burk Baker School of Real Estate and later obtained his Texas real estate license from Champions School of Real Estate in 2021. Detoine is currently licensed in both Louisiana and Texas and works with Keller Williams Realty.
With experience in both real estate sales and property management, Detoine spent six years managing properties, where he developed a keen understanding of tenant rights, budgeting, rent collection, and occupancy maximization.
As a seasoned real estate agent and investor, Detoine identified a recurring challenge: many investors, including himself, struggled to access capital from traditional banks and mortgage companies. In response, he shifted his focus to helping real estate investors secure fair and reliable capital through private money loans. To accomplish this, Detoine partnered with Chambliss Mortgage Capital, allowing him to provide investors nationwide with dependable funding for their profitable investment properties.
Detoine’s expertise spans negotiation, real estate software, MLS databases, time management, and leadership. He is committed to empowering real estate investors by ensuring they have access to the capital they need to succeed.
How our funding process works?
CMC’s Private Money Lending Advantage…
- Skip the Rigorous Loan Hassles from Traditional Banks & Mortgage Companies
- Avoid the Confusing, Stressful and Lengthy Loan Process
- 14 Day Funding Without the Traditional Financing Hassles
- 7-Day Processing, 2-Day Underwriting, 2-Day Agree to Fund and 2-Day Closing
- No Personal Income Verification, Tax Returns or DTI Ratio Requirements
- Light Documentation: No More Gathering Mountains of Endless Paperwork
- Fund Your Fix & Flip, Ground-Up, SFR, 2-4 Unit & Multi-Family Properties
- Gain the Confidence, Competitive Edge & Speed to Close More Deals
8 Steps to Buying a Home
At Chambliss Mortgage Capital (CMC) our goal is to help you avoid the traditional stressful, confusing and lengthy loan process with our streamlined funding experience. We do things differently from traditional banks and mortgage companies from start to finish and beyond the closing. See our funding process in action below…
Your CMC relationship manager will learn about your goals, assess your credit & liquidity, establish proper expectations and discuss your funding options tailored to your real estate business.
We gather as much information up front as possible giving us the rocket fuel to fly through the loan process.
This is where we need your help getting all your documents in as quickly as possible. You will provide your relationship manager with all the requested light document such as Identification, Bank Statements, Business Articles of Organization, etc.
We partner up with the best 3rd party appraisal management companies that provides appraisal reports as quick as possible.
Our loan process is goal-driven rather than deadline-focused. Traditional lenders just work towards a closing date (i.e. a deadline). This typically leads to rushing around hours before closing or even missing the closing date. At CMC we try to avoid the last minute craziness by working towards a 7-day goal. Our 7 business day loan process is unique so it gives our borrowers the competitive advantage to close more deals faster.
Once all the documents have been received by the processor, the loan is then moved to Underwriting. Within 48-hours the Underwriter will review your loan and verify that all guidelines and conditions have been met. If any items are missing or if the underwriter needs some clarity we will request the additional items (no alarm or worries) but if all conditions are met then the file is moved to the “Committee” to officially issue an Agree to Fund (ATF).
Once reviewed by underwriting, the committee approves the deal within 48-hours and sends out an Agree to Fund (ATF) that outlines the final terms of the deal. The file than moves to our closing team where we will confirm the insurance coverage with the insurance agent, confirm the closing date with the title settlement company and begin creating the closing documents.
We work closely with the title settlement company and closing attorney to balance the numbers (i.e. confirm the total funds needed for the closing) and assemble the final closing settlement statement and loan documents. All the steps we completed leading up to this point ensures that the closing is a smooth experience without the last minute craziness. Now, you can enjoy the moment.
Where we lend?
Chambliss Mortgage Capital is based in New Orleans, Louisiana. However, our outreach expands far beyond the borders of Louisiana. We deploy capital in over 40 states throughout the country while maintaining the human experience and communication you would expect from your most trusted local mortgage lender.
