Our appraisers are local and hand picked.
Many big banks and internet lenders outsource their appraisals to the lowest bidder (many times it’s an appraiser who
does not know the area). This can lead to issues in value when poor comps are used to determine value.
We process, underwrite and fund our own loans locally.
Big banks process, underwrite and fund their own loans, but all those steps may take place in other parts of the county.
Many internet lenders send their loan files out to bigger banks for processing, underwriting and funding. The bank could
be anywhere in the country, even in another time zone. This could be problematic for customers on strict closing schedules.
We know the rules and laws for lending in our area.
Out of state internet lenders or big banks may not know about local home buyer credits, local title related costs or other
local customary transaction details. Their mistakes could cost you more in the end.
You can reach us when you need us – even on nights and weekends.
Many big banks or out of state internet lenders may only have an 1-800 number, or may only be available Mon-Friday, 9-5. We know that business happens on nights and weekends and we are ready to take your calls and answer your emails when you need us the most.
We are able to approve & close loans fast.
Many big banks and internet lenders are so overwhelmed with refinances that they cannot get loans approved in time to meet
contract contingencies or close your loan on time. Since most internet lenders are out of state, it may be tough to even get timely status
updates on your loan during the process, which can add stress to your purchase experience.
A home purchase is likely the largest financial decision you will ever make, so just make sure that you choose the right lender for the job.
Not all lenders are created equal, so do you your homework early and choose your lender before you start searching for homes. Once you have a reliable lender who has completed your pre-qualification and has talked you through the entire process up front, you can feel confident when the time comes to purchase your new home.
To see what our clients are saying, please check out our online reviews: