1. Go with a Loan Officer that works with a bank.

• When you go with a bank your Loan Officer can typically only offer you programs that are offered by the bank they are employed by. For example, if Bank of America can not do your loan they will deny your application and not give you any other options. In this case the Loan Officer is limited to only the programs that Bank of America offers. Most banks operate in this manor; some of them have niche programs that are very competitive.

2. Go with a Mortgage Broker.

• As a mortgage broker I have lending agreements with over 70 different lending institutions and literally 1000s of loan programs. If for some reason you have a unique situation that faces a high probability of denial I can find the niche lenders that you need so you are not left high and dry. If you need an FHA or Conventional loan I am almost always at the very least one of the most competitive.

Why am I different from other Loan Officers?

• By the time you close on your loan you will know the loan and the process like the back of your hand. A well educated customer is the best kind of customer.
• If you have been through the loan process before you would have realized that communication is key and communicating properly goes hand and hand with setting the proper expectations. I may not always tell you what you want to hear but it will be the truth. I do this because you are investing your most valuable asset with me, your time. In return I would hope you would reciprocate that same level of respect.
• I very rarely lose clients to other Brokers or Loan Officers, when I do it is usually because some Loan Officer told my client what they wanted to hear instead of telling them how things really were.  25% of the clients I lose in this manor return to me, the others are already so deep in the loan process they no longer have the option without significant time lost.