Mortgage
Best service, outstanding selection, quality products, and excellent pricing. See me for your loans. If it’s out there, I can get it for you!
- Low Starting Rates
- 1st-Time Homebuyers
- Non-Owner Occupied
- Swing Loans for Property Listed or in Escrow
- 90% and 95% and 100% Loans, no PMI
- VA Loans
- Equity Loans
- 2nds
- Land Loans
- Jumbos
- No Income Qualifiers
- Loans for Problem Condo Complexes
- Construction and Take-Out Loans
- Multi-Residential and Commercial
- Non-Conforming Loans
I package all loans personally and give them my undivided attention. Why else should you use a Mortgage Broker?
| Reason | Mortgage Broker | Direct Lender |
|---|---|---|
| Representation | Represents borrower by packaging loan to highlight strengths and minimize weaknesses. | Represents the lender. |
| Customization | Offers a wide range of programs with the most competitive adjustable and fixed rates. | Offers a limited number of programs. |
| Flexibility | A “problem loan” can be quickly moved from one lender to another. | If a loan is denied, the whole process must start over. |
| Availability | Many loan officers work evenings, weekends, and make house calls. | Many work banker’s hours, at the bank. |
| Professionalism | Familiar with many lenders and loan programs, and are licensed by the Department of Real Estate. | Familiar with limited number of programs and are not required to be licensed. |
| Performance | Generally paid only on commission and therefore motivated to close loans. | Generally paid a base salary plus lower commission. |
| Costs | Can offer numerous rates and fee combinations, as well as offering similar processing fees. | Offers limited rate and fee combinations, but may have lower appraisal fee. |
Laura Houle is a Realtor since 1970 (DRE #00363325),
a Mortgage Broker since 1987 (NMLS #337875),
and a Certified Paralegal.
555 Front St. #602