My specialty is finding the appropriate mortgage for you. This proven process will lead you step by step toward obtaining your goals. This process will enable you to make the most informed decision on the loan program that will bring the greatest advantage to your situation.
It is common for people to contact a brokerage firm or bank and ask, “What are your rates”. The truth is there are multiple types of mortgages and interest rates vary greatly depending on multiple factors. Rates are not quoted to “get a shot at your business.” A full detailed application is taken to make sure that you qualify for the loan programs discussed. Susan wants to earn your business for life. Susan has access to many loan programs and what is best for you will depend on your short and long-term financial goals. By asking the right questions and gathering all the necessary information, Susan’s team can obtain the best possible rate for your situation. At our first meeting we will discuss your mortgage needs and gather the statistical facts as well as explain the entire loan process. After meeting you will be informed of all your options.
Client Assessment ~ Every home or property purchase has its own personal story with unique motivations and differing factors. It is important to discover what matters most to you. For example, do you plan to stay in the home for just a few years or are you looking to keep your home for many years? This will help determine whether an adjustable rate mortgage or a fixed rate mortgage would deliver the greatest benefit to you
Needs Analysis ~ By asking questions getting to know more about you and your long and short term investment plans we begin our process of obtaining the right mortgage for your situation. We discuss the particular property you are looking to finance and gather your unique financial information
Creating The Best Plan ~ As a loan originator, I will consult with you on the advantages and disadvantages of different loan programs and their specific processes. Keeping your needs in perspective, he or she will help you make an informed decision to achieve your goals, both personal and financial
Processing ~ We put all of the pieces together, submit your application and follow through on the process with you, the agents, and the lender underwriting on through to closing
Closing Celebration and Long-term Relationship ~ We stay available for questions, future consultation and can be a resource for home issues. We have a 12-month client appreciation program and provide a monthly newsletter full of all kinds of helpful information.