After nine years in the mortgage business in California, my wife and I, and our 2 boys moved to Georgia in 2005. What a great move that was! While the sunny weather, and managing a $2.5 billion a year mortgage bank was great, the quality of life for a family is so much better here. We love to hike, play golf, baseball, and football, and we really enjoy the change of seasons. And while the traffic is pretty bad here, it’s nothing compared to the 405 in LA!
When it comes to the business climate here, the one thing I was most surprised to learn, was that such a high percentage of loans were done directly with the big banks (think bail-out and you know who I’m talking about). That’s such a different story than in Southern California, where the vast majority of loans are done by brokers and/or mortgage bankers. You see, the market there is so competitive that the services of a professional who has the ability to see and obtain rates on a wholesale basis from dozens of banks is indispensible. Unlike the banker who sits in the local bank branch, a broker doesn’t work for the banks, he works for the client, finding the best solutions and lowest rates to fit your specific situation, all while giving the kind of service that he hopes will earn referrals from his clients.
Wells Fargo, B of A, and Suntrust all recruited me to work for them in the Atlanta area, but none could offer the flexibility or level of service that I’m able to provide through Neighborhood Mortgage. With over 40 top banks offering us wholesale rates, we have nearly every possible loan scenario covered, including Fannie & Freddie, Conforming and Jumbo loans, FHA, VA, USDA, 203K, and everything in between. There simply is no better way to ensure that you’re not only getting the lowest rates, but also the best possible service on your next mortgage transaction. In this new age of financial regulation and strict lending guidelines, let us help you navigate the complexity and find the best possible solution.
Please call me with any questions you might have about loan scenarios, rates, or one of the many government programs available for purchase or refinance transactions.