From Anna Matsunaga, Team Momentum, Keller Williams Tacoma 253 353 2662
www.teammomentumrealestate.com
When you are a real estate buyer, whether this is your 1st 10th or 100th transaction, if you are financing it each time you will make a decision about who you go to to procure your loan. How do you choose? What are the differences? How do you know if you have some one who is good?
Here are some simple steps that will make all the difference in the world for you.-
1. First find a Realtor you trust and hire them to represent you.
2. Get a list of preferred lenders from your realtor
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3. Call each of the lenders-
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When you do note things like a. Did they answer the phone or get back with you in a prompt manner?
b. Did you feel comfortable during your interaction?
c. Did they answer your questions or make a time to get back with you with the answers?
d. Did they make a time for a consultation with you?
If the answer is yes to these questions they are likely above average.
4. Set an appointment with one or more of them for an interview. At the interview there are many questions you will likely have, here are a few you may not have thought to ask and to which the answers are important.
a. May I speak with 3 of your references?
b. When is the best time to reach you via phone if I want to talk with you?
c. Do you have a team? Or will you be doing all the processing of the loan from start to finish. ( the right answer to this is yes I have a team and XXXXX is what they do, you want some one who has a support team)
d. Will you require you have all my paperwork before you give me an approval letter? ( again the right answer to this is "yes")
e. How will you insure that I have a copy of an approval letter available when I find " the perfect house" even if it is on the weekend or late in the day?
f. Will you keep me and my realtor in the loop as things develop? How will you keep us up to date during the loan process and how often should we expect to hear from you?
g. How do you prefer to communicate (ie email, text, phone, in person and so on)
With that said, here is a list of 4 local lenders I have had very good experiences with thus far who I would recommend interviewing.
Brenda- Republic Mortgage- 253 732 4448
Alan-Sterling Savings- 253 232 3972
Paulette- Guild Mtg 360 451 5139
Heather-Director's Mtg 253 576 5757
Know you will be happy with any of them, they are all very good, communicative and professional.
Happy shopping, and looking forward to helping you find that perfect next purchase! Call me so we can set you up for your free consultation and get you your buyer's guide.
www.teammomentumrealestate.com 253 353 2662 --Anna
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