A quality mortgage experience for your purchase or refinance results from fully understanding your mortgage options and the associated costs, receiving specific answers to your questions, proactive communication throughout the process, accurate interest rate and fee estimates and ensuring your deadlines are met.

I provide the following Quality Service Guarantee. I will:

• Ask questions and listen carefully to your answers so I fully understand your needs

• Work toward your best interests

• As part of the mortgage planning process, I create mortgage solutions that complement your overall financial strategy to most effectively accomplish your short and long term financial goals

• Fully demonstrate and explain the pros and cons of each mortgage solution so you can make an educated decision

• Utilize my knowledge and experience to respect your time and minimize the amount of effort required by you during the process

• Provide an accurate Good Faith Estimate of the costs associated with your mortgage.  I will update the Good Faith Estimate within 24 hours of receiving your Purchase Contract (or, in the case of a refinance, your mortgage payoff) to ensure accuracy. If the actual non-recurring closing costs due at closing exceed my estimate by more than $250, I will credit the difference.

• Communicate regularly and proactively to keep you informed of your loan status to reduce the stress that is associated with uncertainty

• Meet all deadlines on time and ensure a timely loan closing

• Review the HUD-1 Settlement Statement prior to your signing appointment to ensure the accuracy of costs and terms

• Take full responsibility for my actions and be honest at all times

• Provide referrals to other proven professionals such as CPA’s, Financial Advisors, and Estate Planning Attorneys as needed to protect your financial future (Important note: no financial benefit is received for these referrals and no personal or financial information is shared without your express consent)

• Provide equal professional service regardless of race, color, religion, sex, handicap, familial status or national origin.

• Measure my success by your willingness to confidently recommend me

• Seek to continually improve my quality of service by encouraging you to critically evaluate my performance

My service to you continues after your mortgage transaction is complete.  I will:

Act as your personal Customer Service contact (does anyone else hate the 800#, push multiple button phone calls?).

Actively monitor the interest rate market and proactively watch for opportunities to lower your rant and payment at no cost to you.

Conduct an Annual Mortgage Review.

Download the Mortgage Planning Worksheet and learn how to use your mortgage to create Financial Independence.  Excel worksheet or PDF Worksheet