Frequently
Asked Questions (FAQ)
THE
TRUTH:
Is
buying a home stress free?
Absolutely
not! Purchasing a home is a major
financial commitment, and moving
is a major life event. What we
desire is that your stress will
not be in any way related to your
home financing - save it for which
new sofa you should choose or
what color to paint that hideous
bathroom.
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 blindly 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:
How
long have they personally been
in the mortgage business?
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)
Do
they have the capability to offer
many different investors rates
and products, or just their own?
How
many transactions do they generally
close on a monthly basis? (note:
if they do not seem very busy,
you should wonder why. Good loan
officers are in high demand for
good reason)
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. We would love to
have the opportunity to discuss
all of these questions and the
many more you probably have,
personally with you. Please
call or email us at your convenience.
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