Let’s be clear about this one thing. A Bank is not going to offer you their best rates and terms, ever. They will typically offer rates that are higher than the lowest rates being offered out there in the wholesale markets. By working with a Broker Like me, I am able to shop from hundreds of wholesale lenders to get you the best rates and terms for your unique situation. Whether you are a first time buyer, a veteran, senior buyer looking for a reverse mortgage, looking to refinance your existing loan for a lower rate and shorter term, looking to pull cash out of your property for improvements or to take that much needed vacation, everybody has their own wants and needs when it comes to financing their home. By presenting you with many options from multiple lenders competing for your business you will quickly see the advantage of working with a Broker like me.
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If you are looking to purchase a home it is extremely important for you to have a pre-approval letter from a lender at the time you submit your offer. In today’s competitive market a seller wants to accept an offer from someone they know can complete the purchase in a timely and hassle free manner. By knowing in advance how much you are approved for it also makes your shopping for a home much more streamlined.
I work with Buyers, Sellers, and those looking to Refinance. I will always have your best interest at heart first and foremost. Whether you have credit issues, multiple buyers on title, self employed, veteran, investment property, vacation property, etc. I will find the perfect loan for you. Feel free to call or email me at any time, I am happy to help you, and as always I appreciate your business and your referrals.