1. Do you have a variety of loan programs to fit my cash flow and expected length of ownership needs?

A full service lender with relationships throughout the mortgage industry is a must in today's market. Lenders in the 90's need the flexibility of the small business owner and the clout of a large company

2. Do you offer pre-approvals, not just pre-qualifications, and back them with a $500.00 guarantee?

In today's market a pre-approval can be a powerful negotiating tool. The old system saw the buyer spending many hours locating the perfect home, carefully drafting an offer, awaiting acceptance of the offer, and then consulting with a Loan Officer. Filling out the multitude of forms and applications and having all this work go to waste because for whatever reason you get turned down for a loan.

Consider the peace of mind and negotiating power you could gain if you had an approved loan before you made an offer! With my "Guaranteed Approval Program" you will receive a pre-approval certificate that will compel any seller to give your offer serious consideration. If the seller accepts your offer and then for some reason you fail to qualify, we will pay them $500.00 for their trouble. Stop doing it the old way and get on the cutting edge.

"Don't judge a loan
by its interest rate alone'
Borrowers Golden Rule

3. Do you have the ability to handle difficult credit history?

Without the ability to assist clients with credit difficulties, the term "full service" lender does not apply. At Consumer First the size and scope of our company allows us access to many different sources to place even the most difficult cases. The care and concern that Jim brings to each and every transaction is invaluable in meeting any special needs you may have.

4. What is your phone call policy?

If you do not receive communication throughout the loan process, you are not receiving service. You should not have to pay for that kind of treatment.

I am committed to calling you at least once a week during the loan process and ever single day during the last week before closing. This system keeps you informed through the entire process, and my clients appreciate this special care.

You will also receive return calls from me the same day without exception! My home phone number is on my card and you will always have direct access to me.

5. Do you draw your own loan documents?

The importance of control over the loan documents is paramount. One of the final hurdles a mortgage company overcomes prior to settlement is the production of the actual loan documents that will be signed by the buyer and seller at the settlement table.

If your lender is to guarantee you the kind of services you deserve, he must have control over this vital link in the chain. Because of the ability to produce these documents in-house, we offer a level of service that separates us from the average loan broker.

6. Will you be at the closing to answer all my loan questions?

This is an often overlooked aspect of the loan process, and very few Loan Officers take responsibility for this part of the process. I also require my closing department to have the loan documents to the settlement office a minimum of 2 days prior to closing and will prescreen the documents before any of us sit down at the table.

This is a service your Real Estate Professional will appreciate immensely. You will also know the exact amount to bring to settlement well in advance, and this will minimize inconvenience and possible loss of work time.

7. What is the most important aspect of the mortgage application process?

Answer: An approved mortgage!!
A simple and obvious answer, but one that alludes the average lender.