The Lowest Bottom-Line Cost For Your Home Loan!

You probably know that all Mortgage Lenders are not the same, and that by shopping around a little bit, you can save yourself some money. But your objective is to find the absolute very best loan you can find, with no hassles and no excuses. We have developed a fair and simple way for you to guarantee the best loan at the best prices - Its my Lowest Bottom Line Cost Guarantee Program.

When you call a mortgage lender and ask for their rates, they will quote you a rate for a loan that will close today, because that is the lowest possible rate they can quote. But at the time the rate is quoted to you, they are in no position to close your loan at that rate.



Mission Statement

Our mission is to provide unparalled service to our customers. We realize that buying or selling your property is an important step and a sometimes confusing process. And the often turbulent real estate market can make the experience emotional and nerve-racking. We are here to offer a supportive hand and an experienced brain to the process. It is only through satisfied customers that our company mission can truly be fulfilled.

 

The reason is that no lender will make a binding commitment on a loan without having approved it first. That process can take anywhere from several days to several weeks and meanwhile, you dont have any guarantee of anything. Remember, loan rates and fees quoted to you over the phone are not binding on the lender! They have not commited themselves to anything until the loan is approved and they have issued a signed commitment letter.

Three Simple Steps To Guarantee Yourself The Best Loan

  1. I will prepare your loan application - It takes about an hour (less, if you have already applied with another lender and can provide a copy of your application forms). I'll give you a signed Good Faith Estimate and Truth in Lending form. When your loan is approved, you will receive a signed commitment letter. Remember, making an application does not oblige you to close a loan with me (nor, are you obligated when you apply with any other lender, for that matter).
  2. You can shop as many other lenders as you like.
  3. If you can find one who will commit to funding your loan at a lower bottom line cost (the total cost of your loan is most accurately expressed as the Annual Percentage Rate, i.e. APR) prior to the time you take advantage of our rate lock feature, just send or fax me the other lenders signed commitment letter, Good Faith Estimate and the Truth in Lending Form. It it shows a lower bottom-line cost, i will either meet or beat their price. If Ican't do that, you can still get your loan from the other lender, and i'll send you a check for $100.

It's the only way that you can be sure you've got a level playing field, and you guarantee yourself the best price. All I ask is that you give me the opportunity to give you the Absolutely, Positively Lowest Bottom-Line Cost on your mortgage loan!