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VENICE LUCKX

Director of Sales
NMLS ID: 1810923
Company NMLS: 104621

I'm Venice Luckx and I am the Sales Director here at Society Mortgage..

I was born and raised in a small town near Ghent, Belgium. I went to Ghent University for a master’s degree in Business Engineering, where I grew my passion for finance and entrepreneurship.

My family and I would often vacation in sunny “So-Flo” to get away from the cold and rainy Belgium weather, during which I quickly fell in love with the American way of living. I permanently moved to the United States in 2018 and joined Society Mortgage in 2019. I worked hard from the very beginning, wanting to refine my mortgage knowledge and redefine the loan process.

My pursuit of happiness includes spending time with my better half and our fur babies (all three of them!). When I’m not practicing yoga, you can find me outdoors, fishing, and/or boating. After all, this is South-Florida!

At Society Mortgage, our goal is to always find the right products and solutions to best meet our borrower’s specific needs and simplify the home buying process for them. We pride ourselves on training and educating our team of loan officers to do the same, while always looking for ways to improve.

We look forward to the opportunity to guide and help you achieve your best possible financial picture! You have questions, we have answers. Call, text, or email us anytime!

Reach out to Venice Luckx today!
Society Mortgage - Venice Luckx
Society Mortgage - Venice Luckx

Author Articles

Mortgage Tips

What Is Community Property State?

The nine community property states are:   Arizona California Idaho Louisiana Nevada New Mexico Texas Washington Wisconsin   Community property means that spouses who buy property during marriage own property equally. If the couple divorces, community property is divided 50 / 50.    Understanding Spousal ...
USDA

USDA Underwriting Guidelines

You will encounter the first step through an automated underwriting system. There are several types, and these computer programs evaluate your credit and financial profile to make a preliminary judgment based on your information. USDA lending utilizes an automated system known as GUS. Guaranteed Underwriting ...
Mortgage Tips

What Is A Trade Line On A Mortgage And How They Affect Credit Scores

What Is a Trade Line? A trade line is like a snapshot of your financial history found in your credit report. It includes all the accounts you have, such as credit cards, loans, or any other credit you’ve used. Each trade line shows how you’ve ...
Mortgage Tips

Mortgage Loan Denied – What To Do?

Common Reasons for Loan Denials in Underwriting Understanding common reasons for mortgage denials is crucial. There are six main factors contribute to loan denials:+. High Debt-to-Income (DTI) Ratio Lenders assess your total debt relative to your pre-tax income. Even cosigned debts or recent payoffs affecting ...
Mortgage Tips

How to Get A Mortgage Preapproval

What Is A Mortgage Preapproval? A mortgage preapproval is a process where a lender evaluates your financial situation to determine how much you are eligible to borrow for a home loan. This involves a thorough review of your credit history, income, assets, and debts, including ...
USDA

USDA Loan Preapproval and Prequalification Process

USDA loans are backed by the United States Department of Agriculture and are aimed at people wishing to buy a property in a rural area. People working from home or who can adjust their lifestyle to a rural setting can benefit from low mortgage rates ...
USDA

USDA Bankruptcy Waiting Period – Loan After Chapters 7 and 13

Understanding the Path Forward Filing for bankruptcy doesn’t mean you can’t obtain a home. Chapters 7 and 13 are legal arrangements that help people overcome financial difficulties and bounce back. Mortgage after bankruptcy is still an option.  Generally, you need to wait 3 years after ...
USDA

Why is the underwriter asking for more documents

As a first time home buyer, this question may be haunting you throughout the loan process. Here are a few reasons why your underwriter may ask for more documents. The original documents sent in for review didn’t cover all the requirements to get your loan ...
Mortgage Tips

What is a Sourced Deposit?

When applying for a mortgage loan, you may be asked to explain cash deposits on your bank statements, especially if they are non-payroll deposits over $100. The underwriter requires “source documents” for each of these transactions. But what exactly are source documents? These documents are ...