I have been in the mortgage business for 5 years. I only originate loans in Texas. Previous to joining ProLending I worked as the branch manager for another mortgage company. I managed 10 loan officers and was responsible for making sure the loans got closed. I've built my business by taking care of my clients and getting repeat/referral business. I give mortgage fraud prevention courses to realtor offices and all of my potential clients.
Most of my business is purchase business. I work with some of the top real estate agents in Clear Lake, Houston, Galveston, Groesbeck, and La Porte. I have written several articles that have been posted. You can view these by clicking on this link. http://ezinearticles.com/?expert=Jason_Holter.
Here is a list of questions to ask your mortgage professional
1)Check references.
2)Look for testimonials.
3)Get expert advice.
4)Do not pay application fees.
5)Do not borrow more than you can pay back.
6)Find out how long the loan officer has been in business. Have they furthered their education by taking fraud prevention courses?
7)Deal with someone local to the area you are buying in. It is easier to resolve problems with someone you can meet face-to-face vs. talking with someone in another state.
8)Make sure that they are telling you how much they are making on the loan. Make sure they discuss how they are paid. If they are a broker they will have to disclose closing costs and yield spread premium.
9)Find out if they are licensed. Mortgage brokers and loan officers that work for mortgage brokers require a license. Mortgage bankers that work for banks or credit unions do not require a license.
10)Find out what percentage of clients are from repeat/referral business. This will give you a good idea on who you are dealing with. See if they will give you the name and number of a closed client.
Jason Holter specializes in residential refinances and purchase money transactions in the state of Texas. Whether you are looking to refinance into a lower rate, use some of your equity to consolidate debt, buy a second home on the beach or buy an investment property he is here to help. He also offers a 2-day guarantee on all of his purchases. This means that if your closing documents are not at the title company 2 days before you close he will waive his origination fee. To date he has not had to waive this fee. For more information on Jason Holter, please visit his website at http://www.yourclearlakemortgage.com or email him at Jholter@prolendingmortgage.com
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