The Behrens Team












 
The greatest good you can do for another is not just to share your riches but to reveal to him his own.

Benjamin Disraeli


 

THE TRUTH:

Is buying a home stress free?

Absolutely not! Purchasing a home is a major financial commitment, and moving is a major life event. What we desire is that your stress will not be in any way related to your home financing - save it for which new sofa you should choose or what color to paint that hideous bathroom.

Are we the cheapest place in town?

No, but we are always very competitively priced. I believe that to a certain degree, you get what you pay for. Consider this: Have you ever been on a taxi ride? How about a limo ride? Did they both get you where you wanted to go? Probably, but my guess is that you enjoyed the limo experience, and tolerated the taxi ride. Which driver would you recommend to your family, friends, and coworkers? Probably not the taxi driver, even though he was a few bucks cheaper. My desire is that your experience with us is one you will enjoy, and would be excited to refer us to others. Our service to you is not only to provide you with competitive rates and costs, but to handle your transaction with the personal care and professional treatment you deserve.

What about the horror stories we have all heard about?

At the last minute, the loan is suddenly not approved, or the rates and costs change dramatically? Or worse yet, the loan falls through entirely, and the transaction falls apart? Unfortunately, it happens - I hear the stories too. This is exactly why it is so important to trust your business to a professional, not a bargain basement operation. A horror story like that has never happened to one of my clients, and you will not have surprises at the closing table.

How do you know I will do a great job for you?

Almost 100% of my business has been referred to me by either a satisfied former client, or an experienced, high quality realtor - the only type of realtor I work with! Chances are, you did not stumble across my website by accident, as I do not promote myself blindly to the general public. While most loan officers spend their time mass marketing and looking for new business from just anywhere, I devote my time and energy to my clients only, educating them, discussing the best loan options for each individual situation, and taking care of details to ensure that the loan process runs as smoothly as possible.

QUESTIONS YOU SHOULD ASK YOUR LOAN OFFICER:

How long have they personally been in the mortgage business?

Do they have any underwriting experience?

Do they charge for a pre-approval? (beware - they are doing this to hold "bond" money from you so that you feel obligated to continue doing business with them)

Do they have the capability to offer many different investors rates and products, or just their own?

How many transactions do they generally close on a monthly basis? (note: if they do not seem very busy, you should wonder why. Good loan officers are in high demand for good reason)

Do they have a dedicated team working for you?


The answers to these questions should tell you what caliber of a person with whom you are considering entrusting the largest financial transaction you will make in your life. We would love to have the opportunity to discuss all of these questions and the many more you probably have, personally with you. Please call or email us at your convenience.

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