|
- You wouldn’t go to a GP if you had a heart attack…you’d want a cardiologist.
- You wouldn’t ask a handyman to build your house…you’d want an experienced general contractor.
- In the same way, working with a part time or inexperienced loan broker is not the way to go about getting the mortgage you need to buy the house you want.
|
I Know My Business
I started out as a real estate agent when interest rates were 18%! Through that experience I found that I enjoyed and understood the financial side of home buying and moved through a series of jobs that deepened my knowledge: for a lender where my role was to check loan packages to make sure each was complete; in secondary marketing, in loan processing, where I put the file together for the underwriter; as a loan closer, making sure the numbers on both the buyers’ and the sellers’ side of the ledger were correct. I have worked in each phase of the loan process from both sides of the table. I understand it inside and out.
It’s All I Do
Now I make my living solely and full time as an independent mortgage broker or loan originator. I work directly with you, as my client, and become your link to a lender that will finance your mortgage based on the specific needs of your financial situation. I don’t need to shop around because I know and understand all the mortgage programs currently available; indeed I work directly with the lending sources that have the best rates, bringing my 15 years’ experience to benefit you.
Continuing Education
In addition to my experience, I update my knowledge through 40 hours of continuing education per year. I am also a registered financial consultant (RFC) specializing in mortgages and a specialist in reverse mortgages for seniors. For those with damaged credit, I can instruct you on the appropriate steps to take to repair your FICO score.
Ethical
- I practice the highest ethics when working with clients. Truly, I couldn’t sleep at night if I put you into a loan that I knew you couldn’t afford in the future. This is what happened and will continue to happen through 2008 as we ride the wave of the current mortgage loan fiasco.
- While some brokers “shop” your credit score to different lenders, each time causing a negative hit on your FICO score, I pull your credit score only once in the loan process. Read one client’s story on how this impacted their loan process by clicking here.
- I don’t post mortgage interest rates on my website, because they can fluctuate daily and because your specific financial picture may not warrant the lowest possible rates.
- Read my testimonials from satisfied customers.
Caring - I listen carefully to your needs and to your financial picture, then assess the many loan products I know are available to bring you the best options.
- I look out for your best interests; I won’t push a loan that would put you over your head financially and I make sure you are dealing with the highest quality lenders in the business.
Personalized
While I’m working on your loan, I am available to you via email and phone to answer any question and I’ll patiently explain every step of the process so there are no surprises.
I work hard to find the right solution for your personal situation. Read one client’s story here.
I attend every closing with my clients to make sure everything is signed, sealed and delivered and all your questions are answered. | | |
|
|