 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
Why Choose Phil
This site and all of its contents © 2005 milliondollarhomeloans.com All rights reserved.
Construction Loans
Purchase
 | |  | |  | |  |
Re-Finance
This page
requires
JavaScript to
display
properly.
requires
JavaScript to
display
properly.
This page
requires
JavaScript to
display
properly.
requires
JavaScript to
display
properly.
This page
requires
JavaScript to
display
properly.
requires
JavaScript to
display
properly.
When you choose a lender do you make the decision strictly based on the
rates and fees? My guess is that you do not. Yes, you want to get a
competitive rate and reasonable fees, but you also want to work with someone
you trust who gives you competent advice and delivers more value than you
get from the average lender.
My business is based on trust. I gain trust from my clients by offering
competent advice gained from my 22 years of experience in loan origination.
The trust I obtain from my clients is cemented by delivering a loan with the
terms that I promised.
When you work with me on a loan transaction, I offer much more than
paperwork processing.
When you first apply I can advise you how to increase your credit score based
on a software program offered through the credit reporting company we work
with.
In terms of deciding which program to choose, I can prepare a Total Cost
Analysis. This analysis is an excellent tool to help you clearly see which
program is best for you over a certain time frame.
A critical decision in every transaction is when to lock in your terms. Mortgage
Market Guide is a service I subscribe to that offers daily advice on the decision
to lock or float my client's loan terms. This service has been incredibly valuable
for my clients with an excellent track record in calling the direction of rates in
the short-term.
Reviewing your loan terms on an annual basis is a wise decision. Life happens,
meaning the right terms for you in the past may not be the right terms for you
going forward because of life events.
I will review the terms of your loan with you annually. You may not need to
change anything, which is great! If you want to see how a change would impact
you financially, I can utilize my equity repositioning analysis to illustrate for you
the impact a change would make.
After your loan closes, I will help you manage your mortgage. I will send you a
monthly RateWatch Report which shows you how your loan compares to what
is available in the current mortgage market.
Finally, I will send You Magazine to you via e-mail on a monthly basis. This
electronic magazine provides interesting articles about your mortgage, family,
finances, kitchen, success, home, and body.
As you can see, I offer much more than a rate quote and paperwork
processing. I hope you trust that I am the best choice to help you with your
mortgage now and in the future.
rates and fees? My guess is that you do not. Yes, you want to get a
competitive rate and reasonable fees, but you also want to work with someone
you trust who gives you competent advice and delivers more value than you
get from the average lender.
My business is based on trust. I gain trust from my clients by offering
competent advice gained from my 22 years of experience in loan origination.
The trust I obtain from my clients is cemented by delivering a loan with the
terms that I promised.
When you work with me on a loan transaction, I offer much more than
paperwork processing.
When you first apply I can advise you how to increase your credit score based
on a software program offered through the credit reporting company we work
with.
In terms of deciding which program to choose, I can prepare a Total Cost
Analysis. This analysis is an excellent tool to help you clearly see which
program is best for you over a certain time frame.
A critical decision in every transaction is when to lock in your terms. Mortgage
Market Guide is a service I subscribe to that offers daily advice on the decision
to lock or float my client's loan terms. This service has been incredibly valuable
for my clients with an excellent track record in calling the direction of rates in
the short-term.
Reviewing your loan terms on an annual basis is a wise decision. Life happens,
meaning the right terms for you in the past may not be the right terms for you
going forward because of life events.
I will review the terms of your loan with you annually. You may not need to
change anything, which is great! If you want to see how a change would impact
you financially, I can utilize my equity repositioning analysis to illustrate for you
the impact a change would make.
After your loan closes, I will help you manage your mortgage. I will send you a
monthly RateWatch Report which shows you how your loan compares to what
is available in the current mortgage market.
Finally, I will send You Magazine to you via e-mail on a monthly basis. This
electronic magazine provides interesting articles about your mortgage, family,
finances, kitchen, success, home, and body.
As you can see, I offer much more than a rate quote and paperwork
processing. I hope you trust that I am the best choice to help you with your
mortgage now and in the future.
Request Information