LENDING, THE MORTGAGE COMPANY
A mortgage company/Loan Officer can "make or break" the deal for your new home...regardless of how competent your real estate professional may be.
Typically this is the first step in the process of buying a new home. Based on you income, credit and other information, the lender will have several loan programs that you will be able to qualify for. This will give you the information you need to begin the process of looking for a new home. You can make sure that your real estate professional stays within the financial parameters required by the loan program you chose.
You need an organization that not only has competitive rates and fees, but someone that is knowledgeable, creative and understands the meaning of "dates" and that you have entered into a legal contract and they need to perform. From my experience, I prefer mortgage companies that for the most part are self-contained. Meaning that they own all of their services and have their own employees to execute those services, including underwriting and funding their own loans, etc. Because they own the whole thing, they are in more control of the financing process. They may "sell" the loan after closing, but that is not relevant to the actual transaction process. It does mean they have the capability internally to underwrite loans for various lenders/investors so the loan can be sold to that same lender after closing.
THE LENDING PROCESS IS CRITICAL TO THE SUCCESS OF THE ENTIRE PROCESS. If you are looking for a lender that meets the criteria outlined above, please call one of our mortgage professionals.
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Nate has been working in the residential mortgage business since 1998. He started in the industry as a Loan Processor. He was fortunate to work with a very successful Loan Officer who took him under his wing and showed him how to succeed. He did this for 2 years and then decided he wanted to get his Real Estate License. He knew he would be more effective in the mortgage business by knowing the real estate side. After selling real estate for a year he went back into the mortgage industry. He has been originating loans ever since. In 2004 he passed the Mortgage Broker exam and received his Mortgage Broker's license. He felt that this was important for him to have due to the state of Arizona NOT requiring Loan Officer’s to be licensed! He felt this would be another important factor in separating him from other Loan Officers.
Nate and his wife Amy have lived in Arizona for 7 years now and don’t ever plan on leaving! They love the blue skies and sunny weather. They are proud parents of their girl Jazlyn age 5 and their boy Jason age 2. He loves to exercise, travel and most importantly spend time with his family and friends!
At Windsor Capital Mortgage we believe that the mortgage process is not arbitrary and should be organized, managed and measured in order to achieve the best possible results. Every department in the company is designed with this idea in mind. Each task and step in every process is evaluated for optimal efficiency, cost and speed and results in a predictably superior experience for our staff and customers. As the second largest mortgage brokerage in the country two years in a row now, we have access to every lender imaginable. This will insure that that you will receive the most competitive interest rate out there!
Give Nate a call today; he welcomes the opportunity to consult with you!
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