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Most people in my business take what I call a “drive thru” approach to my business. People say something like “i’d like my payment to be 1800 per month” and the typical loan officer (LO) says – no problem. You are qualified for up to $250K. I think that is a dangerous practice since most people don’t understand money. Most people shop around for interest rate and home price in their attempts to keep their payments affordable. The reality is that the S. Florida housing market can be very strange in terms of taxes, insurance and other factors that can negatively impact the payment 20x more – most people don’t know to look for that and most loan officers don’t even discuss that. Also, most people make their decisions based on their current situation even though this decision will be with them for a long, long time.
What they've said about us
See some of our client testimonials!
“Scott was always reachable and worked hard to get the job done and make me feel comfortable the whole process. I could not have done this without him and I appreciate all the hard work and advice he provided.”William M.
“Scott and his team really went above and beyond to help us get our loan and secure a lower monthly payment. They worked quickly and we were able to close sooner than expected”Brianna W.
“Scott and his team really took my family's situation into account with every move they made. They went to bat for us on several occasions when they didn't have to and got us into our new home before the original scheduled closing date!”Matthew W.
“Scott and his team were hands-down the most professional, communicative, and knowledgeable I have ever worked with on obtaining a mortgage. They managed to make a typically somewhat arduous process very pleasant. I highly recommend them.”William J.
“Scott and his team really made the process simple and easy to manage on our end, while working magic on his end to get us approved when no one else could!”Ryan J.