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The
Truth
Is buying
a home or refinancing a loan stress free? Absolutely not!
Purchasing a home or refinancing a loan is one of the largest
financial decisions your will make. What we work towards is
building trust with you, answering your questions, and reducing
your apprehension related to your home financing.
Are
we the cheapest place in town?
No, but we are always very competitively priced. I believe
that to a certain degree, you get what you pay for. Consider
this: Have you ever been on a taxi ride? How about a limo
ride? Did they both get you where you wanted to go? Probably,
but my guess is that you enjoyed the limo experience, and
tolerated the taxi ride. Which driver would you recommend
to your family, friends, and coworkers? Probably not the taxi
driver, even though he was a few bucks cheaper. My desire
is that your experience with us is one you will enjoy, and
would be excited to refer us to others. Our service to you
is not only to provide you with competitive rates and costs,
but to handle your transaction with the personal care and
professional treatment you deserve.
What
about the horror stories we have all heard about?
At the last minute, the loan is suddenly not approved, or
the rates and costs change dramatically? Or worse yet, the
loan falls through entirely, and the transaction falls apart?
Unfortunately, it happens - I hear the stories too. This is
exactly why it is so important to trust your business to a
professional, not a bargain basement operation. A horror story
like that has never happened to one of my clients, and you
will not have surprises at the closing table.
How
do you know I will do a great job for you?
Almost 100% of my business has been referred to me by either
a satisfied former client, or an experienced, high quality
realtor - the only type of realtor I work with! Chances are
you did not stumble across my website by accident, as I do
not promote myself to the general public. While most loan
officers spend their time mass marketing and looking for new
business from just anywhere, I devote my time and energy to
my clients only, educating them, discussing the best loan
options for each individual situation, and taking care of
details to ensure that the loan process runs as smoothly as
possible.
QUESTIONS
YOU SHOULD ASK YOUR LOAN OFFICER
1) How long have they personally been in the mortgage business?
2) Do they have any underwriting experience?
3) Do they charge for a pre-approval? (beware - they are doing
this to hold "bond" money from you so that you feel
obligated to continue doing business with them)
4) Do they have the capability to offer many different investors
rates and products, or just their own?
5) How many transactions do they generally close on a monthly
basis? (note: if they do not seem very busy, you should ask
questions. Good loan officers are in high demand for good
reason.)
6) Do they have a dedicated team working for you?
The answers to these questions should
tell you what caliber of a person with whom you are considering
entrusting the largest financial transaction you will make
in your life. I would love to have the opportunity to discuss
all of these questions personally with you. Please call or
email
me at your convenience.
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Licensed Mortgage Banker and/or Authorized Lender in all 50 states and
the District of Columbia