It’s critical to have a solid team working with you!
Trying to find the perfect home can be an easier process than finding a lender that will support and help you every step of the way. Some lenders resemble loan sharks rather than lenders, so be careful! It’s important to look for the following characteristics when looking for a lender, regardless of whether they’re online or not.
Firstly, when looking for a mortgage officer, it’s best to find one that’s willing to walk with you through every step of the entire mortgage process. A good mortgage officer will always go out of their way to assist their clients and make sure that they understand what getting a mortgage means for them. It’s also important to find a mortgage officer who is willing to explain different mortgage options that fit the client’s budget rather than sell them a plan that they can’t afford.
A good mortgage officer also knows which specific documents a client needs to procure before applying for a mortgage.
A good mortgage officer will return your calls/emails/texts in a timely manner.
A good mortgage professional also won’t rush clients to make decisions or continuously pressure their clients.
A mortgage officer who is located locally can understand the local housing market and can help you with their connections, such as interior decorators, contractors, handyman etc.
Before you choose a mortgage professional, find out how long they have been active in the lending industry (https://nmlsconsumeraccess.org/), generally the more experience a lender has, the better they can guide you and understand your specific needs. You can find great reviews on a mortgage professional with an awesome reputation in different search engines.
Finally, you’ll want a no-frills mortgage officer, someone who won’t sugarcoat the situation you’re in. Being straight and direct is one of the most important qualities in a mortgage officer.
These are the quality’s I take to heart with all of my clients. I am always willing to discuss financial options and how a new mortgage or a lower rate can benefit you. Please call and chat with me soon (925) 216-3618.