Our Philosophy "Customers for Life"
It's very simple: today's customers determine tomorrow's results!! I am a true believer in 100% Customer Satisfaction. Over the past 11 years, I have made a commitment to providing a level of service that is SECOND TO NONE! The "customer for life" slogan applies to just that: establishing a relationship with someone that will last forever. There are a few ways that I accomplilsh that. First, and foremost, I WILL OBTAIN THE BEST FINANCING AVAILABLE TO YOU IN THE MARKET TODAY. Whether I complete the loan as a Mortgage Banker or Broker, I will utilize all resources available to find the best financing available in the market. Second, you will not find a better level of service, ANYWHERE! I have hundreds of clients who will testify that communication is the key to working with me. You will know what is going on every step of the way. Here is my goal: if I treat you right, tell others. If I don't, make sure to tell me so I can fix it!
Low rates and fees through knowledge and technology
We use the most advanced technology available to close loans quickly, at a low cost. By combining the use of the Internet along with advanced processing software and automated underwriting systems we have taken the mystery out of approving and closing a homeloan. Add to that a list of Lenders that offer every type of home financing available and you have a winning combination!
The truth about your credit
Your credit history should be no mystery to you. However, many people think they have great credit when they find out there are a few blemishes that appear that could affect their interest rate. With the advent of "credit scoring", most investors have decided to reward those with excellent credit by offering more attractive interest rates. The best way to determine what rate you can receive is to simply contact me to run your credit report for FREE and offer a detailed analysis on what you can expect to receive. Before you make any decision about your loan, make sure you know about your credit.
Credit repair
Unfortunately, we all have had some blemishes in our past that does affect our credit history. I will show you how to address those areas, try to get them removed, and move towards a more attractive interest rate. Keep in mind, it doesn't happen overnight and depending on your situation, may take longer than you think. Again, it is the "customer for life" mentality. I have helped many clients with credit repair (no, I do not charge a fee for it) and allowed them to obtain more attractive financing that otherwise would never have been available. If you want to see where you stand, or need some advice on how to address the credit report, email or call me and I will help you get started right away.
How to shop for a loan
Whether you are shopping to purchase a home, refinance or take out equity on a 2nd trust deed, there are a few things you should know about the process. First, and foremost, everyone knows someone who can offer the loan at a better rate! But can they?? When comparing loans, you must compare the interest rate as well as the cost associated with the loan. The only way to do this is to have the Lender provide a detailed Good Faith Estimate (before you apply or have them run your credit) and can GUARANTEE in writing their fees won't change. Most lenders will give you some excuse as to why they can't. THEY CAN!! If they answer anything other than "I will have it to you by the end of the day," be careful. Also, you need to determine how long is the rate locked in for that you are being quoted? Most of my competion will quote you a rate they cannot lock until 10 days prior to closing. What good does that do you today? You need to make sure you are locking in the loan for the amount of time you need to cover the length of the escrow. Finally, make sure the lender will offer you the lower interest rate if rates come down within the time frame of your closing. There are certain time frames and parameters involved. However, you should be able to take advantage of the lower rate if they do come down.
