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1. Why Turn to a Mortgage Broker Instead of a Bank?
For first time home buyers, the prospect of securing a mortgage can be downright scary.
When you're considering where to turn for financial information and a mortgage, you may find that your bank - including the
institution where you've had a checking and savings account for the last fifteen years - just can't help you.
· Banks offer a limited array of mortgage types. If you don't qualify for one
of their mortgages, there's nothing else they can offer you.
· They may be unwilling to help you figure out if you qualify without requiring your to complete applications and pay a fee.
· Approval processes may be conducted at other other locations and. paperwork tends to take weeks to travel back and forth.
Your local bank officer may not be a mortgage specialist.
· Officials often have a difficult time speeding up their process to accommodate your needs.
· Banks are unlikely to be helpful if you have less than perfect credit or have a small downpayment.
In fact many home-buyers end up feeling thiat their bank only makes loans to people who don't really need the
money! And worse. They may have been approved for a loan that wasn't the best deal they could get, although it may have been the best the bank could offer
2. How Is a Mortgage Broker Different?
A mortgage broker has only one business - doing everything possible to help their clients buy the house of their dreams.
A mortgage broker specializes in helping you find the right loan.
A mortgage with the right downpayment.
A mortgage with the right monthly payment.
A mortgage and closing with no surprises.
3. How Can A Mortgage Broker Help You Solve Financial Problems?
Purchasing your first home is more complicated than ever before A mortgage broker can help because she'll know about
· Programs that enable you to offer a smaller downpayment
· Special mortgages if there are holes in your credit report.
· Loans for buyers who prefer not to disclose their income.
· Options for those who want cash left over to make improvements.
· Pre-qualification certificates for carefree house hunting.
Linda Jean Sampson works
with nearly 50 banks, mortgage companies and other lending institutions to ensure that her clients can get a mortgage that's custom tailored for their needs.
4. Why Select Linda Jean Sampson As Your Mortgage Broker?
She's a wizard with numbers, she knows the real estate market, and she works personally with each and every one of her clients.
· J.D., Pace University School of Law
· Member, New York Assodation of Mortgage Brokers
· Member National Assessment Institute
· Continuing Education, New York State Sodety of Independent Accountants
When it comes to crunching numbers
for your first home purchase, Linda Jean Sampson is the mortgage broker you should have working for you.
In just a few minutes she can run a credit report, get some information from you and with her proprietary
financial software she can help you assess the mortgage options and select the program that is best for you.
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