Lowest Mortgage Rates can be like finding a Unicorn.

Mortgage and Lending with NextUs Lending NMLS Lic #269293

Here is an email I just sent to one of my clients that is shopping around for a lender to do his refinance.



Lowest Mortgage Rates in California Unicorn

I know there are a lot of choices these days with all the “Johnny come lately” mortgage companies out there. I hear stories of clients getting quotes that seem very attractive… but are just like Unicorns… Nice to look at but not based on reality. It’s the old Bait and Switch trick were the borrower is shown a interest rate that is just a bit lower than everyone else and after they spend their money on the appraisal the new rates based on reality are never as good as what they were shown. Plus a lot of these Low Ball Lenders use the cheapest Appraisal Management companies that pay these appraisers a very low rates. As the saying goes… “You get what you pay for” has never been more true when it comes to this. Simply put they don’t spend the time to put together a quality evaluation of your home value. We use the best and sometimes a bit more expensive Appraisal Management Company that pays there appraisers appropriately and they seem to just get a little more value for our clients. Not only do they get a little more value but their appraisals are clean. A well done appraisal will zip through underwriting and allow your refinance to actually close. A bad appraisal that YOU pay for can be turned down when the loan gets to underwriting and you will have to start the whole process over. Don’t get a bad appraisal?


I could go on and on about why Guild Mortgage Company and I are your best choice for you and your family and just wanted to let you know that you’re in good hands with us.


Here is a link to my personal Guild Mortgage website:  http://www.guildmortgage.com/officers/johnrainey



I'm looking forward to hearing from you and want you to know that Im available to chat all weekend.


Your trusted advisor,


John Rainey 


Posted by


Connect With Me: 


Comments (2)

Andrew Mooers | 207.532.6573
Northern Maine Real Estate-Aroostook County Broker

You have the financing down pat John.

Jul 20, 2012 07:02 AM
John Rainey
NextUs Lending - Irvine, CA
Sr. Account Executive / NextUs Lending / Alt-Doc J

Many Thanks to you Andrew.

Jul 20, 2012 07:04 AM