The most asked Question I get is: Why would I use you instead of another Mortgage Broker or my Bank?
Let’s start by looking into what your goals are and then I will break down what MOST Mortgage Lenders OFFER -VS- What I have to OFFER
- Lowest Rate
- Lowest Fees
- Down Payment Assistance
- Different Options
- Fast, Efficient and easy to use Process
ME: As a Mortgage Broker I work with over 20 Wholesale Lenders to seek out the BEST RATE available.
MOST LENDERS: They offer 1 rate for each Program they offer.
ME: I do NOT charge an Application fee, Doc prep fee, Processing Fee, Underwriting Fee
MOST LENDERS: Points $386, Orig $868, Doc Prep $28, Commitment $370, Processing $857, Underwriting $525 = $3034
Down Payment Assistance:
Me: I offer 5 Different variations of DPA Programs starting with a 620 Credit score and going up to $15,000.
Most Lenders: Offer 2 State specific Grant Programs such as IHDA that offers $7500 with a 640 credit score.
Me: I work with over 20 different Wholesale Lenders. The Best ones in the Country.
Most Lenders: Offer one set of guidelines with limited options
Me: From application online to updates on every step of the way you will know where you are in the process. Closings take place in your home or office
Most Lenders: Apply online and hope someone replies. Evey time you call you get a different person.
Niche Program I offer ALL my Clients:
Conventional High Balance loans in EVERY Area I serve:
- Loans up to $679,650
- 90% LTV
- Conventional Guidelines & Rates
Escrow Waiver up to 95% on all Conventional Loans
Convention Loan CASH OUT to 85% LTV
The Lowest PMI Rates in the Country
LOCK & SHOP: We offer Rate Locks up to 90 Days on a TBD (To Be Determined) Home.
- If Rates go UP: You’re Covered by the LOCK
- If Rates go DOWN: We can Lock in at the Lower Rate