- Name
- George Stanza
- Company
- Access Real Estate Lending
- E-mail
- Contact George Stanza (Access Real Estate Lending)
- Office Phone
- (530) 897-4090 x 107
- Fax
- (530) 892-2090
- Address
- 1051 Mangrove Ave, Chico, Ca, 95926
About Us:
Access Real Estate Lending is a wholesale broker that let's you pick your fee and rate with over a hundred and fifty different lenders. Proud of being leaders of the community by offering uncomparable service and supporting community organizations.
Areas of Expertise
Let's face it, acquiring a loan to buy or refinance a home is probably the biggest financial decision most of us will make in our lives. Most likely your home loan will be the largest debt you have, and therefore requires important attention. Almost all of you, I hope, will chose to work with an educated professional in order to choose your loan program and to process it for you. This decision should not be made in haste. Just because you saw their name in the phonebook does not mean they are qualified to advise you in Real Estate Finance. My goal is to give you enough knowledge and insight into Real Estate Finance where you feel confident in choosing a loan officer to work with. It's impossible to know everything involved in Real Estate Finance unless you make a career of it, but knowing some of the basics will provide you the security you need in making the right decision.
Choosing the right person to advise you in acquiring a loan has to be made correctly. Regardless of how much you know or how great your credit score is, it can be damaged by choosing the wrong person to work with. Obviously if you have a friend or family member who has recommended someone to you, I encourage you to meet with them. But even if a friend recommends you in a certain direction, there are things you still need to know and consider before making a decision.
There are certain questions you need to ask when interviewing loan officers to insure they can meet your needs. Whether they are a mortgage banker or broker, they all have access to different products. The first thing you need to find out is what programs and types of loans they can offer you. The loan officer that has access to all A, B, and C paper programs is not forced to sell you into a product that isn't right for you. If you are an "A paper borrower" working with a "B paper" lender, it isn't going to work out in your favor. The loan officer who has it all (mortgage programs) can match all types of borrowers with the loan program that is truly the best for them. It is in your best interest to know all available options.
All good loan officers will have many specific questions to ask you. This will let you know if they really want to help you or are just looking for their next pay check. Listed below are a sample of questions that a loan officer will need to ask you in order to meet your specific financing needs.
What is your purpose in buying or refinancing your home? How long do you plan on staying in this home? Is it more important for you to have low payments or pay off your mortgage? What are you short and long term financial goals? What is a total monthly payment you can afford?
If a loan officer doesn't ask you those questions, you should reconsider that loan officer. You don't know how many times I have interviewed clients where they are completely surprised at all the questions I ask them int the initial meeting. The perfect combination in a loan officer is one who has Real Estate Finance knowledge, access to all loan programs, and a person you can trust who is working for your benefit. Sometimes you can walk into an office and realize immediately that the feeling is right. This should be someone you plan on developing a relationship with over the years. Find a loan officer who you can be honest with and feel comfortable with. It would be ideal if you had a trusted friend in the industry, however only few have such a contact. Many educated and trained loan officers are out there willing to work for you. Make sure you take the time to find a loan officer you respect and respects you.
Testimonials
"Working with Access Real Estate Lending was great! Access kept me apprised every step of the way throughout the entire loan process. I will use Access Real Estate Lending for my next property purchase!" - Jeff & Diane Cahn
"Access Real Estate Lending has been wonderful to work with and has really helped reduce the stress and work involved in getting a loan. They have been able to make things happen for us when others couldn't or were unwilling. We will always come to Access first from now on. Thanks so much!" - Troy & Gillian Gabrielson
"Great service! Access returned my calls quickly and went out of their way to make a long distance transaction work!" - Craig & Sandra Boyle
"It was a pleasure working with Access. They made buying our first home a smooth and pleasurable experience. They are experts in the field and we felt 150% confident that they were doing all they could to find us the best loan. And they did! I will recommend their services to everyone I know looking for a mortgage! Thanks Access Real Estate Lending!" - Jeremy Morgenroth
"Just wanted to write a quick note to let you know how much we appreciated your team when it came to refinancing our home. It was a pleasure to work with Access Real Estate Lending; everyone that helped us was professional and knowledgeable. It turned out to be the most 'pain-free' and easiest refinancing experience we have been through. And to complete the process, your team was very thorough in the follow through to the title company, which in turn made that just as easy to wrap up."
- Toni and Terri Brey
"Access Real Estate Lending is a professional yet personable team. They handle the details in a painless way. I really appreciate that there is no last minute chaos, as can happen with other lenders. This makes the end of the process smooth sailing, rather than a frantic scramble. Thank you Access!" - Randy and Heidi Wright
"Rather than writing it here, please feel free to give my name and phone number as a reference."- Brian Perry 521-5447
"My wife & I were set up with an awful loan through Wells Fargo Home Mortage so a friend suggested that we try Access Real Estate Lending before we signed our lives away. That turned out to be the best thing we've ever done. Thank you again and your wonderful staff at Access Real Estate Lending." - Dennis Reinhardt
"For efficiency, personal attention and the best available interest rates, I highly recommend the professional staff at Access Real Estate Lending." - Megan Neely
"I can't say enough about how pleased I am with the way that Access Real Estate Lending handled my loan - they were helpful, informative, on the ball, and just plain nice to deal with throughout the entire process. If I ever have the opportunity to recommend Access Real Estate Lending to someone, I most definitely will. Thank you so much!!"
- Angela Babcock
"We just bought our first home! The team at Access Real Estate Lending made it an enjoyable, exciting and quick experience. We didn't feel stressed or pressured during our interactions with Access. The e-mail updates were helpful, and Access promptly responded to all of our inquiries (phone and e-mail). Thank you Access! We'll be in our first home for the holidays"! - Steven and Aimee Wright
"I've refinanced with Access 7 times in the last 10 years. That should speak for itself! And this year did a new purchase AND a refinance within a month of one another."
- Larry and Sharon Maligie
"I use Access for all of my home loans because I am always kept informed throughtout the loan process and never have to worry about surprises at the end. They make the loan process easy and stress free. I refer Access to all of my friends and family." - Defaria & Rogers
"When we found our dream home, I wasn't sure we'd be able to make it happen. Thanks to Access Real Estate Lending, we were not only able to purchase the most beautiful home we ever could have imagined, but we are also able to afford it! Thanks to all the Great People at Access!" - Phil and Michelle John
"The staff at Access Lending were very helpful throughout my escrow attending to every detail. Whenever I called or e-mailed, I received immediate attention. The communication was excellent and every question was listened to and a solution was found. I have mentioned Access to others and will continue to do so! I plan to do future real estate transactions through Access Real Estate Lending". - A. Davis
"The process was low stress, quick and painless. I knew I was getting the best deal I could get. I feel completely confident in Access Real Estate Lending and look forward to our next transaction." - Brent Lodigiani
"No better service anywhere. Getting to know my lender and doing repeat business with Access, I feel I have developed a relationship that makes everything much easier. I am much more comfortable investing knowing Access will never keep me waiting during a home purchase." - Chris Acree
"We have dealt with Access Real Estate Lending 3 times now. We have not had any negative experiences. Everything was so easy and everyone was wonderful. We wouldn't go through anyone else!!!" - Travis and Delania Lee
"My initial credit approval was given before I was off the telephone with the initial contact. I have banked with Wells Fargo for years and I am still waiting to see if they will accept my application and this process was started in January before I
began looking for a new home. I am truly grateful with the easy process to obtain financing of our new home." - Joanne Fiscalini
"Yes, I was surprised, and delighted, to see the extra steps that Access Real Estate Lending took with providing the postcards with the new house purchase. And the milestone updates were very helpful with my busy schedule!" - Dominic Potestio
