I have always believed that your choice of a lender should be based on facts. A Loan Officers past experience, current results, research, and a feeling of confidence after your interview. Too often the choice is made on “brand”. A brand never made a mortgage loan, someone who works for the brand did. I have completed countless loans for those who choose a “brand name” and were turned down. As far as the client for life goal, that happens only when the promises made are kept, again and again, loan after loan. My promise is to always give you my very best effort. I also will give you the facts, good or bad, in a straight forward manner. Experience is important; I’ve closed in excess of 10,000 loans. I believe that timely responses to questions and issues during the loan processing period is essential. No one should wait days for a return call. Your call will be returned with-in 1 hour. Lending guidelines are changing faster today than ever before. Self-imposed, stricter guidelines from branded name lenders who were burnt in the meltdown are common today and sometimes have a big effect on your loan request. These self-imposed guidelines are called “overlays”. Please try to avoid.
Good question. If you had health issues, how would you choose your doctor? The cost of surgery, experience, referral, confidence after interview, maybe all of the above. I don’t believe there is anyone you’ll interview that has made more loans, done the job longer, has as diverse background or cares more about the final result as much as myself. In my past, I’ve been President/CEO of a mortgage bank, public escrow, and appraisal company. I’ve done builder loans, written mortgage programs, and performed or overseen every aspect of mortgage lending through 4 economic cycles.I enjoy what I do. I like solving problems that competitors can’t solve. When your loan closes and the dust settles, I’m confident that you will see a difference between myself and any past lending experiences you have had.