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Build relationships with empathy and mutual respect.
2. Help homeowners create a mortgage strategy that builds wealth for their family.
How to build relationships with empathy and mutual respect?
We must always keep in mind that clients are coming to us with their most cherished hopes, their most personal information – financial and otherwise. They are placing a sacred trust in our hands. When clients know they are respected, they will, in turn, respect and value what we do for them and how we go about doing it.
Listen first! Then focus on relationships and transactions!
A Professional Mortgage Banker - Treat every client as high-value, regardless of
his or her account balance or financial statement. Safeguard client assets and
privacy as if they were your own.
Put myself in the client’s shoes, striving to understand their situation.
Provide information, education, and advice to enable clients to make smart
Known for excellent communication, integrity, loyalty, and exceptional knowledge
of the mortgage industry - Has helped many people achieve their goal of
How to help homeowners create a mortgage strategy that builds wealth for their family?
Establish a Mortgage Plan – drill down total cost over time, demonstrate the wealth creating difference between programs and payment strategies, and track the wealth growth vs mortgage balance.
Conduct a total cost analysis
Restructure debt to create wealth
Experience in all types of loan programs and maintains strong relationships with realtors, settlement attorneys, builders, and accountants.
Has a solid understanding of the local real estate market and what it takes to close the loan with efficiency and expertise.
SunTrust Mortgage, Inc. originates loans throughout locations within SunTrust Bank markets (VA, DC, MD, NC, SC, GA, AL, TN, & FL) and adjacent states; maintains correspondent and broker relationships in 49 states; and services loans in 50 states and the District of Columbia.
Year to date as of June 30, 2008:
Servicing portfolio: $158.8 billion
Loans originated: $17.5 billion
Loans purchased: $3.5 billion
Total production: $21.1 billion
Number of loans serviced: 954,550
Number of locations: 205 locations
Number of brokers: 12,692
Number of correspondents: 1,345
Headquarters: Richmond, VA
Geographic Locations - Retail Source: STM Branch Listing 201 locations in Florida Over 70 locations throughout Virginia, Maryland and Washington, D.C. Over 157 locations in Georgia, Tennessee and Alabama 75 locations throughout North and South Carolina Numbers include stand-alone mortgage offices and locations within SunTrust Bank branches 1,564 Loan Officers throughout the Eastern United States
Guarantees! • All calls returned within 15 minutes • Loan approvals within 48 hours of application and weekly updates • Closing Statements (HUD I) within 24 hours of closing • Attend all refinance and purchase loan closings • A partner that will help you build your business • A mortgage expert designed to create raving fans of your customers
Summary of the Loan Process – Buyer Education Purchaser C.J. Kemp Mortgage Banker office (301) 961-0901 / cell (301) 651 4189 e-mail: firstname.lastname@example.org Caran Policicchio Mortgage Loan Coordinator office (301) 961-0904 e-mail: email@example.com Underwriter Mortgage Loan Coordinator Closing
Contact Loan Officer for financing information
Gather information needed for application
Start looking for a new home
Discusses qualifying, monthly payments, and cash needed for closing
Explains various loan programs available and quotes interest rates
Assists in completing the loan application
Runs the application through the underwriting engine
Communicates with you on items necessary for loan closing
Pre-underwrites and prepares loan for approval
Works with all parties
Renders final decision on loan
Requests additional documentation
Works directly with Loan Officer and Mortgage Loan Coordinator to approve the loan
Assembles package for closing day
Sends package to Closing Agent’s office
Contacts you for Home Owner’s Hazard Insurance information
Prepares Settlement Statement and emails it to the Processor for review
Processor contacts you to review the settlement figures and cash for closing 48 hours prior to closing
Processor e-mails Settlement Statement to all parties 48 hours prior to closing