STOP

PLEASE READ BEFORE MAKING ANY DECISIONS

Shopping for a mortgage is your right and I suggest that you do it (only with 1  to 2 other lenders).

However, you should be armed with details so that you know you are dealing with the Loan Consultant that will be able to fulfill your needs.

Below is how I conduct my business; feel free to ask if my competitors do the same (you will find the majority does not).

• We are LOCAL DIRECT BANKER'S who have the ability to choose several lenders.  What does that mean?  THERE IS NO MIDDLE MAN!  Also, this model allows us to offer LOW RATES and FEES.

• We DO NOT charge up front fees to gain your business, in fact, we do not even charge for a credit report.

• I try to attend every settlement for your support.  Why should that matter?  I do not like feeling alone, even more so, when it could be the biggest transaction of your life, I am there to make sure you are well taken care of.

• We use LOCAL appraisers (to your location).  Why does that matter?  An appraiser who does not know your area, can not give you the answers you need. 

• I will put my money where my mouth is.  I will give you $100 if I can not beat the deal you CLOSE.  There are a few stipulations here: 1) I must receive last shot- only because the market can change by the second, I can not guarantee that rates did not get better in the days after we spoke (just trying to be fair for all)(just send me their 2010 GFE) 2)The deal has to close, not just be a quote.  3) You have to show me the completed HUD.

• I only have one contact number, my cell.  In a nutshell, if you need to contact me, you know you have the correct number.

• I do not work 9-5; I work both nights and most weekends.  That being said, I can be reached when YOU need to talk!

• I pay for the most up to date bond tracking software in the industry.  **Mortgage rates are not determined by the 10 year note or Prime Rate**

• I pay for a Loan based Costumer Relationship Manager.  Why is this important?  I will be in contact with you even after you close and will make sure that you have the best product for your needs.

Again, please ask this of my competitors if you still feel the need to shop around.