To those looking for a great mortgage broker.....
My fiancé and I started our house hunting experience in June of '08. We contacted a realtor from my past and we begun house hunting. We found a house in River Falls that was totally our dream home. We put an offer in on the house (which was bank owned) and the nightmare began. Our realtor at the time was lazy, he didn't do what we asked him to with our bids, and needless to say we lost the house.
After you put in an offer on a house you need to go through the financing portion of the game...well we started with Wells Fargo, a person that our past realtor had suggested we work with. After 3 weeks of bending over backwards for this man we received a call stating that he was dropping us as clients without any explanation other than he didn't think he was the right person for the job. All the while this is happening we are becoming more and more frustrated with the realtor because he is failing us. The one and only good thing that came from this man was that he introduced us to Phil Olson and his team of professionals.
So moving on to the next chapter of our dramatized story, (this by the way is 100 % fact). Jay and I are still working with our failure of a realtor, and now it's to the point where he is not returning our calls, not putting in the offers that we've told him to put in, and at this point Phil is in the picture, ready and willing to do whatever he can for us. To make a long story short Phil help us find a new realtor and contacted Shelly Nelson who is 100% opposite of our first realtor, and now things are looking up for us.
Having lost our first house and being extremely disappointed Jay and I almost call it quits and decide to stay in our mobile home. Phil being the guy that he is won't let this happen. He and Shelly work extremely hard to help us find the house of our dreams....26 acres in the woods, 2002 built home, beautiful! We put the offer in on the house and it's accepted!
Here starts the rollercoaster of highs and lows! One thing that everyone should know is that Jay and I do not have the best backgrounds as far as credit goes...Jay has a foreclosure and a bankruptcy, I have a bankruptcy....You ask yourself...Well how the heck did they get approved for a 30 year fixed 6.5% mortgage.......the answer is Phil! Without Phil and his team this would never have been a possibility. True that it wasn't a walk in the park for any of us, we were in constant contact with Phil and Josh; they took the reins and told Jay and me exactly what was needed to make this happen. There were tons of papers we needed to sign, things that we needed to fix on our credit report before the underwriters would look at our file, but it is all worth it. Phil is very high energy and a wonderful person to work with.
My point here folks is Jay and I had one of the worst possible scenarios as far as credit history could go.....Phil and his team got the job done. Phil is extremely passionate about his clients and is willing to go the extra mile to help make a dream for some....reality! I never in a million years thought it would be possible that after having such back luck with our credit, Jay and I could proudly say we are now the fortunate owners of our dream home.
Thank you Phil! Thank you to your team also! It was the most incredible experience I've had!
Sincerely,
Jay and Kelly!
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