What to Expect A home mortgage is most likely the biggest investment that you will make. So wouldn’t it make sense to be dealing with someone that you can trust? Wouldn’t it make sense to work with a professional who actually cares about what is important to you? Sure you would!! Over the past 11 years as a Mortgage Consultant, I have paid attention, made mistakes (and learned from them), and ultimately figured out how a mortgage transaction is REALLY supposed to be handled and processed. Actually, the process is not very complicated at all if certain particulars are attended to. I have learned and shaped my business to provide a unique experience that exceeds my client’s expectations. 92% of my business comes from referrals – and there is a reason for that. The following is what a client can expect during the process: Care – It is true. I genuinely care about each and every client that I work with. I take the time to learn about my client’s goals, the things that are important to them, and I really enjoy getting to know them on a personal level and learn about their interests such as hobbies, family, and what they enjoy doing with their free time. My relationship with my clients goes beyond the transaction. I have made many very good friends over the years. Knowledge – I believe my role is to provide my client’s with knowledge as it relates to their overall financial situation, not just mortgage related. As we work our way through the process, it is my job to offer suggestions if I see something within their financial make up that doesn’t maximize net wealth. This could be anything from having discussions about 401(k) participation or even NOT participating in 401(k) plans – Some do not offer the best strategy to gain net wealth. Other areas that are frequently discussed are Wills, Life Insurance, Rental Properties, Second Homes, Reverse Mortgages for other family members, Raising Tax Withholdings to Optimize Cash Flow, and much more. Communication – Very, Very Important!! A relationship is only as strong as the communication. This is also true for something as important as a mortgage. I have an obligation to communicate any and all information as the mortgage is being processed. Examples of communication needs are: Loan Status, When appraisals come in and what value was given, What Underwriting conditions are needed, What are rates and should we lock in? Do we have homeowner’s insurance information? The point is there are a lot of critical pieces of information that are passed between many industry partners and communication and organization are crucial for closings to happen on time. Trust – Clients can trust that I will work in their best interest. Right from the start, I act as if their money is mine. I will never make a recommendation to do something with a client’s money if I wouldn’t do the same with mine. Availability – After a client leaves my office after the initial consultation, I do not disappear or become unavailable. I understand that there are questions that arise and needs that must be discussed and followed up on. I will always have time to speak with my clients. I am actually very quick to respond to voice mail and email. I look forward to working with you and providing you with a unique mortgage experience!!