| How do you keep your fees so low? |
| I'm competitive because I hold preferred broker status
with many wholesale lenders across the nation. Most of my loans come
through referrals so my overhead is very low. I don't have a
large overhead for TV, Radio, and other advertising. This is
another benefit to my clients. |
| Are there hidden fees I have to worry about? |
| No, everything is disclosed up front on the Good Faith
Estimate so there are no surprises. |
| How do I know I’m getting the best loan for my
particular circumstances? |
| I have a broad spectrum of wholesale
lenders. We can choose from many prime lenders to lenders for folks with
less-than-perfect credit. . I'm trained in a variety of loan products
to fit virtually any situation. |
| How long does it take to get financing? |
| Generally, I can complete a loan in less than 45 days.
My strength is in assisting borrowers with the required
documentation. This can easily be done with a minimum of
effort.. |
| Signing the final documents is sometimes confusing;
how do you help? |
| I attend every loan closing. I
know how important it is to understand the seemingly complicated
documents. All my clients can count on me to be there to answer all
their questions. That applies through every step of the loan
process. |
| Is your on-line application
safe? Should I worry about someone stealing my information? |
| My on-line application is 128 bit
encryption which is widely used by banks and even the military to
transmit data securely. You can tell secure sites by the https: in
the address line, There will also be a locked padlock on the same
line. Your information is stored at our office in protected data
storage devices. We NEVER sell or exchange your information except
with underwriters and credit providers. As required by state and
federal law we keep your information for the period prescribed by law
and then it is destroyed by an approved shredding process. |
|
A note about
taxes |
| If you purchase a home and pay the points
out-of-pocket,
they are tax deductible. If you refinance and take out equity for home
improvements, any points you pay out-of-pocket can be amortized over the
life of the loan. Seek the advice of an accountant for more detailed
information. |