Return phone calls as promptly as possible.

We will endeavor to act in the best interests of the customer at all times.

Review your present situation completely to determine which of the hundreds of mortgage programs we offer are best for you. We will use my best efforts to determine the loan type, features, and lender services that best meet the customer's needs, and to find the best price for that loan.

Determine a fair rate for you’re given loan program and credit situation, AND give you the option to lock in that interest rate or “float” it.

When directed by the customer, we will lock the terms (rate, points, and other major features) of the loan, and will provide a copy of the written confirmation of the rate lock. If you choose to lock that interest rate, we will GUARANTEE that interest rate at closing unless your credit situation changes during the application. This includes, but is not limited to; undisclosed poor credit, change of program (due to the undisclosed problems such as a loss of job or misleading documents), denial of the loan by underwriting, delay in your loan closing due to factors beyond our control that goes past the Lock-In period, less then desired appraisal value, etc. However, we cannot guarantee the interest rate if you choose to “float” (not lock) it. As always, the choice of when to lock the interest rate is yours and we cannot guarantee what the market will do nor can we promise today’s rate tomorrow. We will always strive to do the best job for you!

We will keep all parties informed, every step of the way.

Explain the entire mortgage process to you so you completely understand what to expect all the way through closing. 

We will endeavor to resolving problems quickly.

We will following through on each transaction right through to moving day and update you weekly on the process of your loan so you are always up to date on what is going on. This gives you the opportunity to have all your questions answered once a week by your own personal mortgage banker.

Provide online, 24 hour access to the status of your loan.

Give you a complete list of any documentation that you may be missing to process your loan as quickly as possible. 

We will establish a price for services upfront, in writing, based on information provided by the customer (a Good Faith Estimate), so that there are no surprises. We will endeavor to make my Good Faith Estimate as accurate as possible (unlike the "sunshine lenders", who quote rates & closing costs which are unrealistic, in order to get your business - then surprise you later). Our Good Faith Estimate of the closing costs will GUARANTEE that your actual lender costs- excluding title company - will be within 5% or we will cover the difference. We strive to provide you with an estimate that will be as close as possible to the exact penny required at closing. This applies to actual hard costs only and does not include escrows and prepaid items. Since we usually do not choose the Title Company on purchase transactions, we cannot guarantee what their costs will be. We WILL guarantee closing costs on refinance transactions where we choose the Title Company! The industry standard is between 10% and 25% variance, so you can see that we truly do stand behind what we quote you.

On third party services, such as an appraisal, ordered by us, but paid for by the customer, I will provide the invoice from the third party service provider at the customer’s request.  Alternatively, I may have the payment made directly by the customer to the third party service provider (example: you pay the appraiser when he is at your home).

Review your closing statement with you prior to closing so you can feel comfortable and relaxed at the closing.