BELONGER's MORTGAGE MENU
Mortgage Smorgasbord – Best Steaks World-Wide
We only serve steaks. We have every steak imaginable. (100’s of loan products – You need a mortgage professional to help you understand your choices)
APPETIZERS
(wetting your whistle)
Free Appraisal – Not a problem here. You will just get the dessert that we choose for you so we can pay for this item ourselves. Ever hear of the saying, nothing is free. I guess I could pay for your appraisal if I was making enough money off of you. Sure, it’s free. Costs can be hidden. You’ll pay for it somewhere.
No closing costs – Easily marketed and eye catching. One of our best appetizers on the menu. But when we charge you for our mouth watering lobster tail, we will have to double the cost of the lobster. In mortgages, someone has to pay for your costs. You will pay for these costs with a higher rate. We all get our money from the same place, no matter how you slice and dice this. Enjoy.
Lowest rate – When you order a dozen clams, we’ll promise you 24 instead. But don’t be surprised if there are only 6 total when you open them. A common term for this is called ‘Bait & Switch’. Loan officer’s can promise you anything no matter if it’s in writing or not. There are so many reasons why they can do this and how they can get away with it. If you are going to shop, take the average of the 5 per se. Lowest doesn’t always mean the best or cheapest. This is why settlements are sometimes delayed or why your closing costs are higher at settlement.
ENTREE – SPECIALTIES
(top quality customer service with a wealth of knowledge)
(Please choose how you want your steak cooked)
Rare – Your loan officer is alive and kicking. This person will give you A+++ service. This person will be upfront, honest, and real. They will return phone calls and e-mails in a timely manner. They will look out for your best interest, not giving you a loan that might not be good for you. They will ask you your goals, which is very important. Remember this and if not, seek out another loan officer.
Medium Rare – Still very good service when receiving this type of loan officer. Phone calls might get returned a day later, but better than you tracking them down. Everything else should be the same as if your order was to be rare. There is a slightly different flavor than the above choice and that’s it.
Medium – There could be a small wait for this type of loan service. You might encounter some problems because this loan officer might not have been up front with you. They might not have asked the right questions and now can’t get the loan done in a timely manner. They don’t always get back to you. They finally get you to the closing table, but it wasn’t your best experience. And your rate ended up a 1/4% higher than promised.
Well Done – This loan officer was great when you first talked to them. They were nice and friendly. And before you committed to them, they always got back to you. Now it’s been like pulling teeth. Your program has changed and possibly the rate now. But they have told you not to worry. You feel like they don’t think you are alive now. You get to the settlement table and you have some concerns and questions. But you can’t reach them on the phone. You aren’t happy with the higher costs, but you close anyhow.
Steaks
The Conventional Steak – Fannie Mae/Freddie Mac – Everyone has these same types of loans. Up to 100% financing with the my community loan. You can also do second homes and investment properties under the conventional guidelines. You usually need a 620 credit score. My Community is not always the case. All of these programs are decided by a computers decision based on your information supplied.
The FHA Steak – This type of loan requires no credit scores and is a very good program for those with less than perfect credit. You can also get 100% gift monies for the transaction and or up to 6% seller concessions.
The VA Steak – You would have had to serve at least 3 months during war time since the Gulf War. Prior to this, you would have had to serve at least 2 years Active Duty. There are other guidelines for those in the reserves. You can do up to 100% financing depending on your eligibility. And you don’t have to be prior military to use VA financing. As long as you buy a home that currently has a VA mortgage and the VA owns it.
The non-conforming steak (two choices)
- Alt-A Loans --Stated Loans / No Doc Loans / High LTV Loans / High LTV Investment Properties and so much more.
- Subprime Loans -- Usually those loans that don't fit any of the above criteria. This is usually because of low credit scores, bad credit, a current bankruptcy, bank statement programs to qualify, etc, etc.
DESSERTS
(making you want to come back for more)
The No referral ever – The cheapest on the menu. You weren’t happy with your service at all that you won’t be recommending any referrals.
The Referral – You’ll order this type of dessert all day, because you were very happy with the service that you received. You will have no problem sending friends, family, and even co-workers to this person. It’s like leaving a double tip.
HOME LOANS MADE EASY
EAT IN or TAKE OUT -- I can help you in 25 states. CA, CO, CT, DE, DC, FL, IL, MD, MI, MT, NC, NJ, NV, NY, OH, OK, PA, NC, SC, TN, TX, VA
I never have to meet you in person and you will get the same service and rates/costs as if I was next door to you. Always meeting your expectations!!
Jeff Belonger – Branch Manager of Infinity Home Mortgage Company
Direct Line – 888-835-1663
Direct Fax – 775-361-6619
Processing – 800-587-2762
e-mail : jbelonger@ihmci.com
web page : http://www.thefhaexpert.com/ & http://www.nomoneydownbook.com/
“The referral of my service to your friends and family is the highest compliment that I can receive.”
Please come back and see me. Always looking forward to your business!!!!
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JUST a FYI...... First time working in HTML. I couldn't get this to space correctly between the words Appetizer and Entry. Can anyone help me with that? thanks
And a special THANKS to Nick M. for helping with my border on this.
And a warms thanks for featuring this......