“It’s
as though you have been sent from heaven!” -
Sharon C. This flattering praise
was conferred over and over by a couple who turned to me after
being declined by their bank. I provided a debt
consolidation loan that cut their monthly expenses in half
(reduced by $1500). I
combined their first and second mortgages, paid off the mortgage
on their second home, and eradicated their high-interest credit
card debt. Over the
months that followed, their credit scores rose nearly 100 points,
enabling me to provide a low-interest conforming loan for their
purchase of a beautiful lake home with 300-feet of
lakeshore!
“We can’t thank
you enough. You took
the stress out of buying our new home.”
-
Patricia E.
This involved a For Sale By Owner (FSBO) purchase in
which I turned a couple (with adverse credit issues) living in a
double-wide manufactured home into proud homeowners. The borrower’s credit
scores rose 50 points immediately after heeding my initial advice,
and have continued to rise while building a solid mortgage
history.
“Thank
you, Scott! You are one of only two or three loan officers
in the midwest with the experience and tenacity to have closed my
client's loan.”
-
Jim B. This
Realtor paid me one the greatest compliments of my career,
since a dozen lenders had declined the borrower on a
beautiful newly-built home -- with a previous history of
three failed sales. You see, the property was as
difficult to qualify as the borrower.
“You set us at
ease with your no-nonsense approach.”
-
Darlene M.
This couple greatly appreciated my eagerness to educate
and inform them as to the options they had. I also assisted the same
couple with the sale of their out-of-state commercial property and
had the privilege of refinancing their home again in 2005.
“I knew that you
could help me, since you already saved my sister $35,000.”
-
Julieanne M.
This lady was a referral, in need of money for debt
consolidation and home improvements. I got her the money that
she needed and, as a result, her credit scores are on track for a
100 point gain over the next year.
“I
have discovered the ‘Sam Walton’ of subprime lending!”
- David C. boldly
declared as we signed disclosures. He then produced estimates
from three other lenders, and pointed out that my fees were lower
and my interest rate was one full percentage point less than
the nearest competitor.
This customer was in desperate need of a debt consolidation
loan and possessed a 504 median credit score. His score rose nearly 60
points in the two months after he closed his debt consolidation
loan.
”I
sincerely enjoy working with professionals of your
caliber.”
- Realtor for Alison and
Jeff B. who
mentioned that he had often been disappointed with the performance
of his company’s in-house mortgage broker (this is a common
complaint of many real estate professionals). Alison and Jeff B. qualified
for a fee reduction as another of my many returning
customers.
“I
walked away from the closing table because my previous broker
grossly misrepresented his closing costs. Your honesty restored my
faith in mortgage lenders.” -
Jack L. This
is a man best described as the stereotypical “millionaire next
door”. He lives
humbly, never flaunting his wealth, and is not inclined to make
costly mistakes. His
was one of many “No Doc.” loans that I have provided to those who
wish to keep confidential their personal financial background.
“You
area miracle in disguise! I heard about all of the hard work
you performed to get me my new home. We would not be here if
it was not for your dedication and hard work. Thank you very
much!" -
Danelle
This lady could not thank us enough
for our behind-the-scenes
efforts.
“I have to tell you that in 27 years as a real
estate professional, I have never seen anyone work so hard to
get financing for a customer with 'issues'. These kids
appreciated your hard work, as do I! I wish that all
lenders cared as much as you do.”
- Gloria This is typical of
the praise heaped upon the Specialty Lending
Division by real estate professionals who marvel at our
dedication -- regardless of a borrower's credit
history.
“You worked tirelessly for us. You were simply
amazing!”
- Julie M.
I
fought to secure their conforming loan despite a staggering
70% debt ratio. This
borrower’s dilemma was chronicled in my Summer 2003
newsletter. Not every
high credit score is a “slam dunk”, that is for
certain.
-
Leading
real estate professionals
refer their valued customers to us because they trust us to fund
even difficult loans in a timely and professional manner. We often help borrowers
after their bank, credit union, or mortgage lender has previously
denied their loan request. We receive their
A-paper customer referrals for our ability to provide great
service and fast closings on even the most exotic of
properties.
-
Bankruptcy
lawyers and divorce attorneys
recommend us because they know that we will not take advantage of
their clients’ financial situation -- even those facing
foreclosure.
We are able to provide commercial loans for partner
buyouts, large estate settlements, acquisition, and fast cash
to resolve other complex legal
matters.
-
Financial
planners
send us their customers because we are able to help them in
so many ways.
By leveraging home equity, we are able
to fund a strategic investment portfolio, increase
insurance coverage, or otherwise secure their family's
future.
-
Builders
and remodelers greatly
appreciate the value of our services. They know that we are able
to get difficult loans closed in a timely fashion. We provide a variety of
construction loans, second mortgages, and equity lines of credit
for the homeowner. We can
also secure funding for spec. homes and
commercial developments of any size.
-
Bankers
and mortgage brokers
refer their customers to us when they are unable to address a
customer’s specific needs, or whenever the banker or broker
is not licensed in the various States that we serve. Rather
than disappoint their valued customer or turn them away, they
either call us or direct their customer to our Fast App.
page.
ScottSecor.com
