Geoff Gottlieb - President/Sr. Loan Officer My goal is to create a home financing experience for you which results in a NO SURPRISES conclusion. This is achieved by stressing the importance of a dialogue concerning your goals and needs during the process. In the end, if you don't feel that I have managed your financing in a way that would cause you to seek my services the next time you need a loan, then I will not have achieved my objective.
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Your lending experience begins and ends with the expertise and integrity of the individual handling your mortgage application.
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For a lender, interest rates and closing costs are inseparable. A lender's profitability stems from the rate offered, the closing costs collected, or a combination of the two. Beware if you are offered something that sounds too good to be true. It probably is!
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Understand that a Good Faith Estimate is not a "guarantee" of what your costs will be. It is an estimate and it is legal for the costs to vary at closing. That's one reason that your selection of a trusted loan officer is so vital to achieving a No Surprises closing.
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Please be advised that loan officers do not control the cost of "prepaids" (1st year insurance premium, initial escrow account, per diem interest). This category is commonly used by competitors as a tool to lower the estimated cash to close. Since we don't control these figures (they are controlled primarily by you or the government), they should not be used as a basis for comparison.
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Starting the application process early in the game can only work to your advantage. A Pre-Approval affords you both peace of mind and leverage in the negotiation process. "Keep the clock on your side."
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There is no such thing as the "best loan" for everyone. Selection of the right loan and terms for you is a task that requires the consultation of an expert.
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