Our Lending Philosophy

Our Lending Philosophy

Integrity, Service, Experience
Whether you are purchasing your first home, a vacation home or investment property, or are looking to refinance your existing mortgage, you need an experienced mortgage banker you can trust to have your best interests in mind. We are experts in all areas of home financing.
 
Why We Won't Provide Rate Information on Our Website
Gone are the days when you could pick up your phone and get a quick rate quote. No questions about credit, down payment, adjustable rate vs. fixed, location or type of property. This one-size-fits-all practice is one of the reasons behind our country's housing turmoil, and why we'll take the time to ask questions and listen to your responses so that we may fully understand your unique financial circumstances. Only then can we present home loan options that you qualify for and that will work best for you and your family.
 
How to Get the Best Mortgage Rate
Mortgage rates continually fluctuate based on financial markets, secondary mortgage markets and investors. Additionally, rates are determined by a borrower's financial risk, assessed by reviewing credit history, income, savings and financial stability. In general, the better your financial situation is the lower your rate. We can offer strategies and options to help you get the best rate for your situation.
 
Communication is Key
We make it a priority to listen to your questions and concerns. We will take the time to make sure that all your questions are answered and that you fully understand the mortgage process and your commitment to repay your home loan.
 
Guaranteed Estimates
Once your rate is set, we will determine all fees required for your loan and provide you with a complete estimate of closing costs, along with a breakdown of your monthly payment and your repayment schedule – assuring no surprises at the closing table.
 
Complete Confidentiality & Security for Your Personal Financial Information
You can be assured that we will respect your privacy and will handle all personal information in a confidential manner. Any documents that are no longer needed are securely shredded, assuring your privacy and protection from identity theft.
 
 
 


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