Categories
Fairway Mortgage Home Loans Real Estate Uncategorized

3 Key Factors When Buying a Home

3 Key Factors When Buying a Home

1) Price and Affordability

A Key Factor When Buying a Home is determining what the costs are, and what you can afford.

The difference between price and value is huge. If the value of the home you are viewing does not match the price, it is not a viable option. However, it takes in-depth research of the market and home-types to really answer this question. Additionally, it is important to have a realtor and mortgage lender that you trust through this entire process.

Calculating Your Mortgage Payment
Calculating Your Mortgage Payment
 
Furthermore, buying a home is one of the biggest purchases of your life and it is worth taking a deeper look into the market. A couple of late nights is well worth saving thousands on a home purchase making key factors when buying a home critical. If you do not prepare for buying your home, your financial health could be destroyed for years to come. With this said, it is imperative that you understand the price and value of the home, as well as how much you can afford.
 

2) Area

The location you are shopping for a home is another Key Factor When Buying a Home.
When you are buying a home, it is important to have a good knowledge of the surrounding area. While the home you plan to buy may not be your forever home, more than likely, you will be in this home for years to come. In 2018, the median length that homeowners lived in their home was about 13 years (a key factor when buying a home).
 
Aerial Neighborhoods
Aerial Neighborhoods
 
If you are going to live in an area for over a decade, it is vital that you enjoy the area you live in. When finding the right home, look at the schools, understand the crime rate, and find local restaurants that you would frequent. Home-ownership is more than just mortgages and payment option but the community that surrounds you.
 

3) Renovations, Problems, and Home Inspections

Is the home you are looking to buy a “Turn Key” property? The current physical status of a home is a Key Factor When Buying a Home.
Renovating your home is perfectly normal. However, unexpected renovations are an entirely different story. When buying a home, you should know how much money you want to pour in to for renovation and how much money is too much. If you have been planning to buy a fixer-upper and renovate your home, make sure you have the money set aside or a payment plan that fits your budget. On the other hand, if you are not planning on putting any work into your home, make sure you evaluate the potential problems and issues that could arise in the near future.
 
Handing Keys at the Closing Table
Handing Keys at the Closing Table
 
Evaluating potential problems is a make or break moment for home buyers, making it yet another key factor when buying a home. Most people purchasing a home do not have hands-on experience with home inspections. With this said, it is important to ask the right questions and know what the biggest potential issues could be. When the home inspector comes to the home, it is imperative that you ask, “what is the biggest financial burden I will have to carry for the next decade?” This will give you an understanding of the home’s biggest need. From there, you can assess whether the home purchase is worth it. All in all, whether you are looking to renovate or not, any home buyer should evaluate the health of their home and understand the 2nd tier costs that come with home ownership.

3 Key Factors When Buying a Home

The difference between price and value is huge, and knowing the Key Factors When Buying a Home. Determining what the costs are and what you can afford.
Categories
Fairway Mortgage Home Loans Real Estate

First Time Home Buyer’s Seminar

Are you thinking about buying a Home? Discover the path to buying your New Home. Our team will teach you about the available Down Payment Programs, Government Loans, Credit Repair, Budgeting, Real Estate Contracts, Where to Find Cheap, Beautiful Homes and much more.

Now is a great time to buy, interest rates are low and home prices are good. This workshop will provide you with an easy step by step plan to homeownership, from getting pre-approved for a loan, finding money for your down payment, finding discounted properties, all the way to getting your keys and moving in.

Come meet with our experts and get your questions answered!

Is it a good time to buy a home?

How much can I afford?

How to qualify for a loan?

What does my credit score have to be to buy a home?

Can’t make it? No problem, we can get you started today and into your new home. Give us a call at 757-677-6537 or shoot us a text message.

Categories
Fairway Mortgage Home Loans Real Estate

Why Choose Fairway Mortgage Home Loans | Hampton Roads

Why Choose Fairway Independent Mortgage?

(Fairway Mortgage Home Loans – Hampton Roads)

Our Primary Role is to help you select the perfect home loan strategy for you and your family, and to help you implement that strategy into your overall financial plan. Allowing you to maximize your savings, cash flow and net worth.

Simply stated, we are here to help you save money, and to make this process of home buying both easy and enjoyable. We will take care of your mortgage loan so you can get back to your life.

Mortgage Fairway Family Grass

Why Choose Fairway Mortgage Home Loans?

Getting to the closing table on-time is important to us and we take it very seriously.  Because of our purchase/refinance process and the priorities we have within it, we provide an easy home buying experience.  Just think, what could you do with an extra 10 or more days until closing?  Close early?  Work on building more business? Not stress as much? All benefits of Fairway Mortgage Home Loans!  Buyers deserve this service which is why we offer it.  Let’s talk about how this can help you today! – Closing at the Speed of Life, Redefining the Mortgage Industry.

At Fairway Independent Mortgage Corporation, customer service is a way of life. We are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond. It’s all designed to exceed expectations, provide satisfaction and earn trust.

Why Choose Fairway Mortgage Home Loans?

VA Home Loan Advantages

The Most Flexible Home Loan Helps Veterans

  • Up to $1 Million Loans – No Monthly PMI (Private Mortgage Insurance)
  • Pay off Debts at Closing
  • Seller Can Pay All Costs (And Buy Down Your Rate)
  • Two VA Loans at Once
  • VA Approved Condos – 100% Financing

Why Choose Fairway Mortgage Home Loans?

Strategic Mortgage Plan

Down Payments

We believe the biggest mistake buyers make is putting too much down on their home loan. Whether it be paying down a higher cost debt or increasing liquidity, most money is better utilized in other ways.

Loan Program Selection

With rates at all time lows, fixed rate mortgages have become more popular than ever. With rates increasing it becomes more important to work with a professional who can explain the details of all of your options.

Debt Retirement Plan

Pay off all high cost debt. From there, it comes to investing and balancing your budget wisely.

Financial Plan

Once you have a solid emergency fund and have paid off all high cost debt, your focus turns to investing and paying off lower cost auto loans and mortgages. If you are going to stray from a budget, then do so on the side that gives you control.

Local Lending You Can Trust

The Meaning of Lending Redefined.

We strongly believe the way we do things is just as important as what we do. Every team member is guided by our Core Values which define how we work, how we interact with each other, and guide us in determining how we best serve our customers, team members and local communities. We strive to make our team members and customers feel  like a part of the Fairway family while providing exceptional customer service, speed and support by being kind, humble and giving 100% every day – it’s WHAT we do and it’s WHO we are.

Why Choose Fairway Mortgage Home Loans | Hampton Roads - Fairway Independent Mortgage Home Loans - Hampton Roads

425

Zillow Reviews with a 4.9/5 Overall Rating

 

 
Why Choose Fairway Mortgage Home Loans | Hampton Roads - Fairway Independent Mortgage Home Loans - Hampton Roads

55%

Of Loans Close in Less Than 30 Days

 
 

 

Why Choose Fairway Mortgage Home Loans | Hampton Roads - Fairway Independent Mortgage Home Loans - Hampton Roads

5

Years in a Row named Inc. 5000 Company

Why Choose Fairway Mortgage Home Loans | Hampton Roads - Fairway Independent Mortgage Home Loans - Hampton Roads

3000+

Families in New Homes by the End of 2018

Categories
Fairway Mortgage Home Loans Real Estate Renovation

203k Renovation

What is a FHA 203K Renovation Loan? 

The FHA 203k renovation loan gives qualified home owners and homebuyers the power to fund major upgrades to their homes while keeping their total expenses to a minimum. You can get access to a significant amount of financing for repairs, remodeling, and renovations while saving the cost(s) of taking out one or more loans through a 3rd party or second mortgage. 

The FHA 203k (government-insured) helps mortgage clients who wish to fix or remodel a residence during the time of purchase or refinance. The lender rolls the renovation money to fund (or refinance) a home and finish repairs into a single mortgage loan.  You will get a fixed rate, with only a 3.5% down payment. 

Get Pre Approved Today!

Down Payment & Closing Costs Assistance Programs 

Purchasing a home can be less expensive than you think. 

By going with one loan, you can skip paying the additional expenses which a second loan or mortgage would require. Additionally you bypass the higher interest rates associated with short-term lending. Your advantages include: 

  • One monthly payment
  • Appraised “after-improved” value
  • Fixed interest rate
  • One time closing  and closing costs

Can an FHA 203 help fix my house?

To be eligible, the residence must be a minimum of one year old and fall within local Federal Housing Authority price guidelines. The project should cost at least $5,000. The cap is set at an additional 50 percent of the appraised value after completed repairs, including contingencies. 

The FHA 203k loan, particularly appeals to home owners and homebuyers with limited repair budgets.

Construction options such as aging pipes, leaky roofs or floors can run up prices rapidly. With this help, owners could make changes while reducing the blow to their personal savings. 

A list of regular upgrades for FHA 203k financing might be discovered on-line. Among the ways the program might help buyers like you: 

  • Make structural changes and reconstruction 
  • Modernize or remodel rooms 
  • Repair or replace flooring, roofing and pipes 
  • Improve function, appearance, landscaping, energy conservation, health, security or accessibility 

Streamlined FHA 203K 

The Streamlined FHA program handles smaller jobs. It may help home owners with improvements which price up to $35,000. There’s a maximum value that determines land eligibility. 

These plans might help you make instant alterations like: 

  • Fix or replace roofs, gutters, downspouts, flooring system, well, exterior decks, patios, porches, doors and windows
  • Upgrade present Heating and air conditioning, plumbing and electrical systems (HVAC)
  • Remodel or complete basements or kitchens, without structural work
  • Paint, weatherize and waterproof
  • Purchase and set up appliances
  • Improve handicapped accessibility
  • Correct lead paint issues
FHA 203k renovation loans give home owners and homebuyers the power to fund major upgrades to their homes while keeping their total expenses to a minimum.

Renovate Your Dream Home

At Millenari Mortgage Group we do our best to take the guesswork out of renovation financing. Our different loan programs can turn any house into your home. From small cosmetic updates to major projects such as room additions, foundations repairs or even putting in an inground pool, we have a renovation loan to help! While we don’t have Chip and Joanna, we have assembled the best renovation lending department in the industry to guide you through this financing option.

Renovation Loan Facts

Renovate a house into a home. Learn more about using a renovation loan.

​​
Home Purchase and Renovations Rolled Into One

Home Purchase and Renovations Rolled Into One

Buyers combine purchase and renovation costs into one loan.

 
Available for Purchase and Refinance

Available for Purchase and Refinance

This loan option is available for purchase and refinance.

 
Gift Funds Allowed

Gift Funds Allowed

The buyer can use gifted funds with this loan option.

4 Types of Renovation Loans Available

4 Types of Renovation Loans Available

We offer FHA 203K Limited and Standard, FNMA Homestyle, and VA Renovation loans.

 
Renovation Loan Department

Renovation Loan Department

Our renovation loan department offers more than 20 years of in depth knowledge.

 
Trusted Advisors

Trusted Advisors

We can help you assemble a team of renovation professionals bring your vision to life.

Categories
Fairway Mortgage Home Loans Real Estate Uncategorized

Mortgage Pre Approval

Mortgage Pre Approval

What is a mortgage pre approval and does this matter?

A loan pre approval is a letter from a creditor signaling how much of a mortgage loan you can qualify for, issued after the creditor has assessed your financial history, such as pulling your credit report and your score. With a pre approval letter, you will find a house you can really afford purchasing, while showing you are a serious buyer. A mortgage pre approval letter can place you head and shoulders over other buyers who can be interested in the exact same home as you. Getting pre approved will assist you in finding a mortgage lender who will work with you to find a mortgage loan with the interest rate along with other conditions suited to your requirements.    

Discover more about getting pre approved for a home loan

What's the distinction between pre qualification and preapproval?

A pre qualification is like an audition, though a pre approval is a dress rehearsal for a real loan application. Without digging too deep into the financial particulars, with a mortgage pre qualification a creditor can provide you estimate of how much home you will probably qualify for and a few preliminary loan terms. We estimate your credit rating and provide a few details, including the purchase price of your home you would love to purchase, your down payment, your monthly debts and the way you would like to structure your loan. With a pre approval, on the other hand, is a complete application. The creditor pulls your credit report and your score also sets an offer in writing to provide you with a loan at a given interest rate. Even with a mortgage pre approval, your loan has to undergo underwriting, a last phase due diligence process before granting a loan, after you have a home under contract.

Compare current mortgage prices.

The more creditors you check when shopping for mortgage rates, the more likely you're to receive a lower interest rate. Getting a lower interest rate can save you tens of thousands of dollars within a year of mortgage payments, and tens of thousand of dollars during the life span of the mortgage. With Millenari Mortgage Group Mortgage's easy to usage mortgage rate tool, you can compare current mortgage loan rates of interest, whether you are a first time homebuyer looking at 30 year fixed mortgage rates or even a longtime homeowner comparing refinance mortgage prices.

Find personalized mortgage prices

Millenari Mortgage Group Mortgage's mortgage rate tool is able to assist you in finding competitive mortgage prices. Specify the property's Zip code and then indicate whether you are buying or refinancing. After clicking on Get Started, you will be asked the home's cost or the value, the size of the down payment or present loan balance, along with the assortment of your credit score. You will be on your way to getting a personalized rate quote, without providing personal information. From there, you can initiate the process to get preapproved for your mortgage. It is that easy.
Mortgage Pre Approval - Fairway Independent Mortgage Home Loans - Hampton Roads
Categories
Blog Archive Fairway Mortgage Home Loans Real Estate

Finding a Trustworthy Lender

A Trustworthy Lender

Have you ever tried to buy a home? If so, you know that making such a costly commitment

is not something to be taken lightly. Where do you start? Who should you trust with what is likely to be the biggest financial transaction of your life? Most people don’t even know where to begin. Some people have found success by calling the number on a Realtor’s sign they see posted in a yard. Others ask their friends for recommendations. To ensure a fair and successful home buying process there are a few things you should know before you commit to buying that house you fell in love with and a Realtor is only part of the equation. You need a trustworthy lender, and this post will tell you what you need to know to select one.

Early in the process of looking for a home, your lender can help advise you on your finances, options and guide you through the preapproval process. Getting preapproved for a loan will make your bid to buy a home much more attractive. A trustworthy lender can also help you:

  • Determine how much you are qualified to borrow (remember, this is probably above what you will actually borrow).
  • Identify the right kind of mortgage for you, your lifestyle and your income projections.
  • Determine if you need to improve your credit profile or if you have items in your credit report that hurt your overall score – this will help you secure an optimal rate to save you money over the life of your mortgage.

Just like shopping for a major appliance or car, you will want to compare lenders. A trustworthy lender will partner with you to fully understand your financial situation. They will clearly explain their products and rates, and which products are most advantageous to your needs, even if it is not something they can provide. Make sure your mortgage lender is licensed and registered at the state and/or federal level. They should provide you with their credentials related to training and licensing.

Your home is an investment, and a trustworthy lender can help you make the most of your money. Don’t trust it to just anyone.


OVM Quickstart - Online Mortgage Application
Apply Online!

Just like shopping for a major appliance or car, you will want to compare lenders. A trustworthy lender will partner with you to fully understand your financial situation. They will clearly explain their products and rates, and which products are most advantageous to your needs, even if it is not something they can provide. Make sure your mortgage lender is licensed and registered at the state and/or federal level. They should provide you with their credentials related to training and licensing.

Your home is an investment, and a trustworthy lender can help you make the most of your money. Don’t trust to it just anyone.


160x90 Millenari Mortgage Group - Teall Haycock Team (1)
Meet Our Team!
Categories
Fairway Mortgage Home Loans Real Estate VA Home Loans

VA Construction Loan

VA Construction Permanent Benefits

Besides the obvious benefit of building a new home, Veterans have great financing advantages available to them. These benefits include the following and more:

  • Construction loan based off  VA perm loan
  • Possible financing of construction interest payments – depending on the appraised value
  • Include closing costs in the loan – depending on the appraised value
  • 6 months to build (100% option), 12 months to build (95% option)
  • Simple builder approval process


16x9 - VA Construction and Renovation Home Loan (1)

VA Construction Permanent 100% Financing Available

Up to 100% financing is available for a new home up to a max loan amount of $484,350 plus the VA funding fee. Do keep in mind that if a Veteran is using bonus entitlement, then the loan to value could be less because of the Veteran’s available entitlement. Allowed home types include:

  1. Single Family Detached Homes
  2. Detached PUD
  3. Off Frame Modular Homes

Although, manufactured homes such as double-wides or single-wides are not allowed, off frame modular homes are allowed. So, if a modular home dealer cannot fund the construction, this can help.

If you are a Veteran looking to build your dream home or a home builder looking to help more clients, contact one of the Teall Haycock & Team members to discuss how a two time VA and construction loan could help.

The Process

  • One-time close construction loan process.
    1. Verify the Veteran’s eligibility and entitlement.
    2. Qualify the borrower(s).
    3. Order the appraisal “based on plans and specs,” as long as the appraisal would reasonably be completed before the completion of the foundation. If the project is farther along than the completion of the foundation, you must wait until construction is complete before ordering the appraisal and it must be ordered as “built less than 1 year and never occupied.”
    4. Issue the Notice of Value (NOV).
    5. Close the loan.
    6. Construction takes place.
    7. Final inspection or CO signifies the end of the project.
    8. Modify the loan.
    9. Guaranty the loan as a purchase.
  • Two-time construction loan process:
    1. Verify the Veteran’s eligibility and entitlement.
    2. Qualify the borrower(s).
    3. Order the appraisal “based on plans and specs,” as long as the appraisal would reasonably be completed before the completion of the foundation. If the project is farther along than the completion of the foundation, you must wait until construction is complete before ordering the appraisal, and it must be ordered as “built less than 1 year and never occupied.”
    4. Issue the NOV as appropriate.
    5. Close the initial loan with non-VA financing.
    6. Complete construction.
    7. Qualify the borrower(s) again.
    8. Order the appraisal, if appropriate.
    9. Issue the NOV, if appropriate.
    10. Close the loan.
    11. Guaranty the loan as a purchase.

Eligible VA Loan Types

One-time close (or single close) construction loans. These types of loans are used to close both the construction loan and permanent financing at the same time. The permanent financing is established prior to construction, and the final terms are modified to the permanent terms at the conclusion of construction.

Two-time close construction loans. Two-time close loans generally involve an initial loan closing prior to the commencement of construction, and a second closing where permanent financing is used to take out, or replace the initial loan.


16x9 - Military Family

Allowable Builders

The general contractor must be a registered VA builder. A list of registered VA builders is available in WebLGY. The VA has no arms-length restrictions, provided the builder is registered by the VA.

For any property appraised for proposed construction, the builder or contractor must have a valid builder identification number prior to a VA NOV being issued.

Borrowers are free to choose their builder or contractor, subject to any additional requirements the lender may require. It is the lender’s responsibility to ensure that the builder or contractor is licensed, bonded, and insured according to all state and local requirements.


16x9 VA Renovation Loan Program

Fees and Charges

On a construction/permanent home loan, the builder is responsible for:

  1. Interest payments during the construction period on a one-time close if not included in the interest reserve, and
  2. All fees normally paid by a builder who obtains an interim construction loan including, but not limited to:
    1. Inspection fees,
    2. Commitment fees,
    3. Title update fees, and
    4. Hazard insurance during construction.
  3. On a two-time close construction loan, the VA loan has not been established, therefore, the terms of the initial construction loan including the interest payments are subject to negotiation by the Veteran.
  4. Funding Fee.
    1. For a one-time closing construction/permanent loan, the funding fee is due and payable to VA within 15 days of loan closing. It is not tied to the commencement or completion of construction. While the intent of a two-time construction loan results in a VA-guaranteed loan, the construction loan is not a VA loan.
    2. For two-time close construction loans, the funding fee is due within 15 days of the VA permanent loan closing.

Both types of construction/permanent loans must be reported to VA within 60 days of receipt of the clear final compliance inspection report. For the purpose of reducing the funding fee, ownership of the land by the borrower(s) prior to construction is eligible to count as a down payment for purposes of reducing the funding fee, provided that the appraisal assigns a value to the unimproved land, and the value will count only to the extent that the loan amount is less than the NOV value. Lots held as contracts for deed are not considered owned by the borrower.

Interest Rate, Cash Back to Borrower & Project management

Interest Rate

Lenders may offer a “ceiling-floor” option where the Veteran “floats” the interest rate during construction. The agreement must provide that at lock-in, the permanent interest rate will not exceed a specific maximum interest rate, yet also permit the borrower to lock-in at a lower rate based on market fluctuations. The borrower(s) must qualify for the mortgage at the maximum rate.

Cash Back to Borrower

In instances where down payment funds came directly from the borrower, or the borrower purchased a lot in cash, or has unencumbered ownership of the lot being used as a down payment, the borrower may receive cash back at closing for the amount paid provided that the final loan amount does not exceed the NOV value, and evidence of the funds provided by the borrower are documented in the loan file. The borrower cannot receive cash from equity in the project, or funds provided by another party.

Project management

The lender is responsible for all aspects of establishing the account containing the construction funds. The lender must ensure that funds are accounted for, and disbursed according to the progress completed.

If the remaining funds are the borrowers, reimbursement is acceptable up to the verified amount that has been paid in advance; otherwise the funds must be applied to the loan balance.

In addition, the lender has the responsibility to evaluate, monitor, and manage the project. It is the lender’s responsibility to ensure that the project is completed per the plans, specifications, and /or contract documents, so that the value of the home is preserved.

If the project requires permitting and local authority inspections or requires detailed construction exhibits to be provided to the appraiser, the lender “must” condition the NOV for appraiser re-inspection/certification. This ensures compliance with exhibits and information used in the preparation of the subject’s value.

Any re-inspections by the appraiser must ensure that the completed construction meets at least the minimum specifications originally utilized in preparing the appraisals final value. The use of any lower grade materials or deviations that may lower the original value provided in the appraisal report must be noted as to the specific deviation and its impact.

Recent Posts

Categories
Blog Archive Fairway Mortgage Home Loans Real Estate

Beautiful Home in Hampton Roads

Beautiful Home in Hampton Roads

It is possible to leap into a new home without stress and have peace of mind. We all have to live, but why not live it well? We all have dreams and desires but do we go after them? Don’t give up on your dream!


16x9 Blog Image 1 - Drew Miller Local Expert, Realtor & Real Estate Agent - FIT Realty

You get to define a beautiful home. Peaceful, open, spacious, updated, great location, nice yard. It is all attainable!

Before going after your beautiful home, lets do a quick Q & A…

Q: “I dream of the perfect house but am scared of the responsibility. Is there a way around this fear?”

A: “No fear! You aren’t wasting money with an investment so it is a healthy, fruitful responsibility. Also, you can get a home warranty to cover your home of parts and labor for many things. Our agent will ask the seller to pay for this in your contract when you buy.”

Q: “If I am renting and can’t get out of my lease, how do I time this correctly to even explore buying?”

A: “Well first off, renting is burning money in a fireplace. If you can get a home paying about the same or less than your rent, run after it.”

Q: “What if my credit is too low?”

A: “People tell us this all of the time but if you are relying on an app to tell you this, you might want a second opinion. Regardless of the score, we can advise you with what to do.”

Q: “What if I can afford it but I can’t find what I want?”

A: “You still need to know what you qualify for on paper. The cart before the horse is tempting but wisdom is getting a solid prequalification first.”

What it means to choose us….

We are a team of loan officers and real estate agents who have diversified knowledge in the industry but WE ARE…

  • SERVANT-HEARTED
  • DESIRING YOUR PEACE
  • GOING AT YOUR PACE
  • PROTECTING YOU FINANCIALLY
  • ACHIEVING YOUR DREAM
Categories
Blog Archive Fairway Mortgage Home Loans Real Estate

Dayle Runner – Mortgage Loan Originator

Dayle Runner

Dayle Runner - Mortgage Loan Officer

Mortgage Loan Officer

Fairway Mortgage Home Loans - Hampton Roads

Known for his loyalty and dedication, Dayle supports his team throughout each transaction. He was born and raised in Virginia Beach and takes pride in working for a local company.

Outside of work, this loving husband and father enjoys spending time at the beach.

Call Or Text Me Today!

(757) 204-5880

Why Pay Rent When You Can Own For Less?

Categories
Blog Archive Fairway Mortgage Home Loans Real Estate

Angelo King


Angelo King - Loan Officer - Top Online Mortgage Lender

Call Or Text Me Today!


(757) 276-1240


Why pay rent when you can own for less

Angelo King takes pride in connecting with and educating his clients during the mortgage process. He is known by his team members as “Fireman” because he is amazing at putting out any “mortgage” fires that may arise.

Outside of the office, you can catch this loving husband and father cooking up a delicious meal or on the basketball court.

About Angelo King