Education and Communication A Key to Success!

I wanted to talk a little about performing your "due diligence" as a mortgage lender to protect both yourself and your clients. In this day in age where foreclosures are at all time highs, delinquencies are on the rise and the escalation for government involvement is heightened; are you doing your job to protect your integrity? I can say we at Professional Mortgage Group are! Following are just a few items that we do to educate and communicate with our clients to ensure a smooth, honest and ethical transaction.

1) We personally meet with every client: We do this to both make the client comfortable with talking and communicating with us and to go over (in detail) the loan in general and their responsibilities and our responsibilities. If there are any issues now is the time they are both addressed and brought up!

2) We verify the information given to us: We have seen too often in this business that the information given in connection with an application is not entirely correct. How? Basically for two reasons, they simply do not or they are concerned about qualifying for the loan in the first place. By verifying the data provided it makes the lending process easier for everyone involved and if we find any discrepancies we can address them before hand, hence not holding up a closing at the last minute.

3) We hand out Buyer's Guides: This informational handbook helps the client understand what we do and what they are responsible for. It also addresses FAQ's in case questions come up after the fact.

4) Home buyer's certification course: If you are a first time home buyer and are doing business with Professional Mortgage Group, we require you to take an on-line education course! We find this course to be very helpful in preparing are clients for the tasks of homeownership.

5) Certification Disclosure: We require all clients to sign a form that they were A; given copies of all disclosures assocaited with their home loan and B; they were given a thorough explanation of all documents and had any and all questions answered in connection with their financing. By doing this we feel at ease with our clients and they feel at ease and trust us!

6) We perform a Benefit to Borrower Test on every file: This ensures that the client gets the best possible product, terms and costs associated with their mortgage financing!

7) We simply do things the right way: From our first conversation to the closing table we give honest, ethical and professional advice and recommendations. We back this with Service Guarantee's, results and client testimonials!

Brought to you by Professional Mortgage Group, Inc.
Your Columbia Missouri Mortgage Broker