If I wasn’t competent in what I was saying or doing regarding loans, I wouldn’t put myself out there as to who and what I am about.
I have never lied to anyone about what rates are at the time they are asking and certainly never showed up with loan docs that had a different rate or program than they were promised.
If someone chooses to lock and rates go down, it isn’t fair to blame me.
I didn’t come to this site looking for business.
It just happens that I can be helpful if needed.
It’s been a kick here and I’ve met some great people.
I know what other mortgage people are up to. I hear from lender reps and escrow officers what is going on. I don’t like what I hear.
I cannot promise anyone that I have the lowest rtae/fees on the planet, (nobody can) that just isn’t reasonable, but I am very competitive and fair.
Those who want shop only by rate usually make poor choices.
Many people that got totally screwed shopped by rate. They got a neg am loan or an ARM, and have zero chance of refinancing today. They got their loan from a friend or neighbor.
I have never done a neg am loan and have talked people out of them. I have also talked people out of buying or refinancing because I don’t think it made sense for them. Perhaps they went elsewhere.
My website is different, and I am different.
I am usually available by phone 15 hours a day, 7 days a week, because I want to be and I enjoy doing this and I do keep people informed about their loan status.
I’d be happy to hear from someone who has a complaint about a loan they did with me. They got exactly what they were told and if there was an underwriting problem they knew about it immediately.
