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We've Bigger, Better & in our New Office!
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| | | We're not sales people but rather licensed mortgage professionals. This means that we are licensed by the State of Florida; the State has completed a background check on all of our brokers; our finger prints are on file with the State; we've all been screened against criminal records; all loan originators have passed a qualifying exam administered by the State; and we complete 14 hours of continuing education every two years in order to keep our licensing. In addition, Windermere Mortgage Company has been member of the Better Business Bureau since 2001 with no complaints EVER. We try to help our clients determine what they can afford over the long term, not how large of a loan we can get them approved. It's our job to keep current on mortgage rates and loan programs. We are experts in analyzing borrowers and structuring loans that are right for you. We have lots of lenders we can use and we are constantly monitoring the financial markets to find the best rates and terms offered. You don't have time to check out dozens of lenders every day but we do. Mortgage interest rates change every day, and sometimes, several times a day. We see the loan process through underwriting, locking your interest rate, loan approval and closing. We attend most closings, but when that's not possible, we are on telephone standby in the event there are last minute questions or problems. Check the credentials of your loan originator. First off, check to see how long they have been a loan officer. Are they "order takers" - taking your application and then turning everything over to a mortgage professional or are skilled professionals and able to underwrite your loan, even on nights and weekends? Find out if they are individually licensed or are just a company employee. Have they taken the extra initiative by joining professional organizations like the FAMB and NAMB? Members of these organizations are pledged to a strict Code of Ethics and professional practices. Check the company's ratings with the Better Business Bureau as mortgage companies are ranked 9th with the Bureau in number of complaints. Make sure you know who you are dealing with before giving your personal information to them. (Please see my entry "Would you trust your wallet to a Stranger" on my blog: www.MariaSaid.com Since we do the work for the lenders, we get paid by the lenders. We have been approved by a large group of lenders as being qualified to do their work for them. We take the loan application, analyze the borrower and his needs, order credit, appraisal, title and closing documents, verify employment, assets and debt and put the loan documents together in a precise and comprehensive package for their review. They are happy that we bring them business, you the borrower, so they offer us wholesale pricing which allows us to beat retail rates of banks and mortgage companies. Why is it that many mortgage companies are going out of business or down sizing, yet, we've expanded? As you well know, Location, Location, Location is the real estate mantra but timing is also paramount. We believe that as a leader in client service, will be able to fill these gaps. We are thrilled to announce the expansion of our mortgage company! We have moved to new offices in the new Winter Garden Village shopping mall. It's an open air mall with over 1,100,000 square feet. Anchor stores are Super Target, Lowes, Staples, Best Buy, as well as great restaurants like Fishbones, Macaroni Grill and Five Guys. With over !,000,000 square feet of retail space, we are pleased to be the only real estate related company in the mall. |
Our Good Reputation is Well Earned!
Having worked in Florida and Texas in finance, real estate and the mortgage industries for more than 20 years, I have seen colleagues and companies come and go. I've learned a lot but one of the most important things I've learned is that a good reputation will carry you through the tough times. The best way to earn a good reputation is to look out for the best interests of your clients. Even when our business is down from previous years, we still advise our clients to do what's best for them i.e. - it might not make financial sense for them to refinance at this time; they might need so save a little more money before buying their first home; they might want to look very closely at the home being sold FSBO as it seems as it's priced too high; they should consider a fixed mortgage rate because the rates are good and it will save them the expense of refinancing in a couple of years. The list goes on... Bottom line, we care about our clients and try to improve their lives by giving them good financial advice.
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