I've been a mortgage banker/mortgage broker in the Southern California area for over 17 years. I have managed to adapt as our industry has undergone massive changes in process and legislation.
My approach is to structure the most cost effective and appropriate real estate financing for my clients. But that's just the beginning...just as you would have someone manage your assets, we help you manage your largest liability. So after the close of escrow we stay in contact with clients and look to identify any opportunities to reduce interest expense, shorten the term of the loan, combine existing liens, etc.
My success as a mortgage banker has been fostered by building and maintaining relationships, not "doing loans". We care about what we are doing for our clients and that's why they come back. Likewise, Realtors and financial professionals who value referring top notch advisors to their clients have enjoyed the benefit of our level of service.
When things get tough, don't wish it were easier-wish you were better.