With overwhelming industry statistics suggesting that a "random shopping" effort for help to solve your problem will result in speaking with an inexperienced loan agent, who doesn't accurately understand your needs or how to help - or worse - views you as just "a deal," your search will reveal the need for two distinct characteristics from your loan professional. First, you'll need specialized experience in your corner. Pete & One Touch Lending have that experience. (Please review "About Pete Brady" and "About One Touch Lending").
Secondly, you'll need concrete assurances and guarantees that final results will match the initial discussions and disclosures. In considering where to place your trust and how to achieve that financing objective, the correct choice would logically be the individual and company that has the most TO LOSE by ultimately delivering a disappointment. The company that will understand and regret the loss of your business is the company that understands the "lifetime value of a client". That is the company whose business model concentrates on repeat client business and client referrals as its main source of future business. That company practices LONG-TERM thinking and typically has a more stable and healthy business year after year. One Touch Lending realizes that a "delighted client" is worth as many as six new transactions without advertising. To the "less stable companies", you will always be just a number, and all that has been said before you actually view the FINAL LOAN DOCUMENTS is just talk.
Unfortunately, some expenses, much time, and plenty of your effort has been spent to get you to that end point. If the FINAL LOAN DOCUMENTS do not represent what has been previously agreed upon and presented in initial disclosures, your "exercise" has now quickly become a very disappointing experience. Therefore, you must eventually place your trust in someone. You must trust that person and that company to deliver on their promises and not disappoint you. Anything less is just very frustrating. Therefore, the most important consideration when choosing a mortgage company is their credibility and likelihood of delivering on their promises. Please see how important this is to us by reviewing our Guarantees. Finally, our long-term approach to you as a "client forever" is your greatest assurance that you'll have a lasting smile after each and every transaction - and so will your friends.