A Realtor's partnership with their mortgage Loan Officer can make or break the buyer experience. We explore the benefits of working with an independent mortgage advisor and how it can help the realtor and their buyer's experience.

1. 5 REALTOR ADVANTAGES OF WORKING
WITH AN INDEPENDENT MORTGAGE
EXPERT

2. Fadi Sankari
President | Loan Officer
248.825.3300
fadi@bestrateloan.com

3. 1. SPEED & SERVICE

4. CONSISTENT TURN TIMES
• Two-day initial approvals
• Clearing contingencies in 12-15 days
1. Speed & Service

5. CLOSE IN 12 DAYS OR LESS
1. Speed & Service
Import E-Sign Submit To
Underwriting
Setup
Approved With
Conditions
Initial CD To
Start Cooling Off
CTC Final Docs

6. LOAN TRACKING
• Track the status of your buyers loan from submission to closing
• Complete transparency throughout the entire process
1. Speed & Service

7. CUSTOMIZED EXPERIENCE
1. Speed & Service
• Ability to offer custom rates to the thousandth decimal point
• Only lock for the amount of days needed
• Choose a customized term that meets your buyers needs

8. SHOP WITH CERTAINTY
1.Speed & Service
• Ability to submit TBD/Scenarios for any income or loan level items
• Lock and Shop - secure a low rate for 60 or 90 days while the
buyer shops for the perfect home

9. HUNDREDS OF PRODUCT OPTIONS
We are able to shop for the best program that
fits your buyer’s needs
1. Speed & Service

10. CLOSING DISCLOSURE
• Closing disclosures are sent before final approval / CTC
• We will hit your contract dates
1. Speed & Service

11. CLOSING
• Complete control over the closing process
• Closing Tracker
• The ability to collaborate directly with the settlement agent
1. Speed & Service

12. 2. ONE-STOP SHOP

13. CONVENTIONAL
GOVERNMENT FHA | VA | USDA
2. One-Stop Shop

14. 3. SPECIALTY PRODUCTS

15. CONQUEST PRICING
3. Specialty Products
• Conventional purchase or rate & term refinance
• VA purchases and VA IRRRLs
• Offer significantly lower rates to borrowers

16. 3% DOWN
3. Specialty Products
• Freddie Mac Home One
• Fannie Mae HomeReady
• Freddie Mac Home Possible Advantage

17. MORTGAGE INSURANCE
3. Specialty Products
• Not all mortgage insurance is created equal
• Eliminate the second underwrite by getting mortgage insurance
with no overlays
• We offer the most competitive premiums

18. 4. DIGITAL MORTGAGES

19. ONLINE APPLICATION PORTAL
4. Digital Mortgages
A secure and hassle-free way for your buyers to apply

20. GO DOC-LESS
4. Digital Mortgages
Ditch the docs – we will pull their income and assets automatically

21. VIRTUAL E-CLOSING
4. Digital Mortgages
• Close from anywhere, anytime, completely online
• No in-person signing
• Available in 42 states

22. 5. PARTNERSHIP MATTERS

23. RENT VS BUY
5. Partnership Matters
Attending open houses to instantly pre-approve buyers with Blink

24. HOMEBUYER MORTGAGE 101
5. Partnership Matters
Available by request
MARKETING
Let’s work together!

25. QUESTIONS?