A Human Approach to Mortgages

Most people love the convenience of the Internet, like ordering something off Amazon and having it arrive the next day. I’m no exception. Quick, effortless transactions are wonderful—and they make sense for many things like books and socks and household gadgets.

But when it comes to big-ticket items, like a mortgage, I’m a big proponent of taking a step back and talking to an objective expert. Sure, educating yourself is important, but at some point, talking to a true professional like me can be the best thing you can do.

Read more about the benefits of working with a mortgage broker.

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Why you’ll love my human approach to mortgages and refinancing.

First, I bring empathy to the situation, which isn’t something you can squeeze out of an online mortgage calculator—no matter how many times you hit refresh on your keyboard.

Second, I listen intently. I ask the right questions and get to understand your personal situation (while reading between the lines of what you’re saying). Mine is very much a holistic approach—I look at your whole financial picture, not just a tiny snap shot.

Third, when you choose me as your mortgage broker, you get me. I don’t pass you off to a processor or junior associate. I work with you from start to finish.

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So, what happens when you choose me as your mortgage broker?

Most people think that mortgage lending begins with an application. When you work with me, I start with your goals. I want to learn more about your financial situation and what you want to accomplish.

For example, do you want to . . .

  • Reduce your current interest rate?
  • Reduce your monthly payments?
  • Obtain cash for home improvement or other purposes?
  • Consolidate mortgages on one property?
  • Consolidate debt?
  • Change your loan type or term?
  • Remove a borrower from a loan?

Armed with this information, I’ll walk you through the following steps:

  • Take Application

    I can do this over the phone, through the mail, or in person.

  • Review Credit and Determine Rates

    Once I have the application information, I look at your credit. This tells me what types of rates you’re eligible for and what, if any, fees may apply. You have the option of locking in a specific rate for a specific time or waiting to see what the rates will do. (Note: here’s why it should never be just about the rates.)

  • Order Appraisal

    The appraiser will call and set up an appointment directly with you to come out and measure and walk through your home.

  • Order Title

    I’ll place a call to the attorney to order the title work on the home. This is completed by a title examiner at the registry of deeds. If something comes up on the title that we aren’t sure of, I’ll work on getting it straightened out.

  • Send Package to Underwriter

    Once the appraiser sends us the original appraisal (takes about one week), I send the package to the underwriter for review of all the income, assets, and credit information. The underwriter makes sure everything matches up and all paperwork is complete. Sometimes the underwriter will ask for clarification on something, such as a more updated bank statement or additional information if it needs to look at something more closely.

  • Close The Loan

    Once we get a “clear to close,” I can set up the closing with the attorney’s office. I’ll often come to the closing to ensure the final steps go as smoothly as the entire process.

Bottom line: I manage every step, keeping you informed, answering your questions, and making sure all appropriate parties have the information they need to process your mortgage.

And here’s an important note: I don’t get paid until the loan closes.

Here’s how paying a mortgage broker works in Massachusetts.

Ready to start?

Contact me now and let’s discuss your situation.