Find The Right Loan

Choosing the right loan program involves much more than just knowing if you want a fixed loan vs. an ARM loan, or a 30 year term vs. a 20 year term. 

It’s actually MORE IMPORTANT that you have BOTH the right person AND the right company backing you through the oftentimes treacherous journey known as loan origination.
 
Finding the right person & the right company involves asking the right questions and having the right information.  I have split the list of qualities among the loan originator and the lender so you can ask the right questions when searching for the right loan program.
 
The loan originator should be:
 
  • Someone who you feel is genuine, sincere and who you can trust
  • Someone who has either been referred or has testimonials you can read
  • Someone who clearly demonstrates they have your best interest in mind
  • Someone who is available to you day & night and will respond when you need it
  • Someone with the experience to navigate the modern day obstacles present in the transaction
 
The lender should be:
 
  • One who uses appraisers who understand the real estate market you live in
  • One who is able to lock your interest rate when you decide you want to lock
  • One who can move fast through the process and get your loan closed quickly
  • One who has nearly every type of loan program the general public would require
  • One who has the ability to reduce your interest rate after locking if the market improves
  • One who is “direct to Fannie & Freddie”; this typically means more competitive offerings
  • One who services enough of their loans where they can make exceptions other lenders may not
  • One who has a reputation in the marketplace for excellence and the highest level of customer service
 
As a 10 year veteran of the real estate finance industry, I have set myself apart from my peers. I’ve done this because of my approach to working with borrowers. I treat them like family. My work ethic and integrity are things that were taught to me by my parents when I was young. That work ethic and integrity has placed me among the top producers at every company I have worked at. And today my business is 95% referral as a result of that. I’m proud to help buyers and homeowners in the biggest financial transaction they will make in their lives. And it’s something I plan to continue for the rest of my career.


 


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