The DiGregorio Difference

young lady looking at the computer.
No. 1

I don’t say no, I say when

Over the years, I’ve met many people who were turned down for a mortgage loan by another lender.

I showed every single one of them what they could do to correct the problems that got them denied. Sometimes they need to save more money for down payment & closing costs. Sometimes it’s an issue about being able to document their income. Sometimes it’s something on their credit report that needs to be taken care of.

In each of these cases, it is only a matter of time and understanding how to fix these problems.

I don’t give up on my clients, and I don’t say no — I say when.

No. 2

How I structure your loan can save you thousands over the life of the loan

The interest rate does not determine the cost of your loan. I know many people think it’s all about the interest rate, and frankly, there are a lot of people in the mortgage business who are happy to have you think that, because it means they can structure the loan so that you pay points and other fees that will make that loan more expensive for you and more profitable for them. Yes, you got a lower interest rate, but you paid more for that loan than you needed to pay. Before you close on your loan, give me a call. I’m happy to review your lender’s paperwork and if they’re giving you a good deal, I’ll tell you so.

a young couple getting the keys to their house.
No. 3

Complete financial integration

One of the biggest mistakes people make when making financial decisions is that they base their decision on their current situation and that can end up being a costly mistake.  I work with all of my clients to make sure that the decisions we make work into both your short term and long-term financial situation. How long do you plan on being in the home and the mortgage?  What changes might happen during that time? College tuition, future health care costs for a loved ones, future promotions and retirement plans are just some of the situations that need to be taken into consideration.  I will also work in conjunction with any other financial advisors such as your tax and investment advisors. Working together as a team helps ensure the right decision. Please click here to schedule a phone call with me so we can start to discuss your specific situation.  I look forward to working with you!

No. 4

Local Knowledge

If you’re buying a home in Florida, getting your loan from a “Big Box” lender in Detroit or New York or some other state means you’re dealing with a telemarketer who got just enough training from their employer to pass the national mortgage licensing test. They don’t live in South Florida, and they don’t know anything about the unique factors here that make buying a home in Florida different from any other state: HOAs, CDDs, assessments, flood insurance, wind insurance, hurricane straps, and many other potential costs that could raise your monthly payments by hundreds of dollars. I’ve been a mortgage banker in Florida for over 20 years, and I will prepare you for buying a home here, so you know what to look for and what to look out for. You can start the process in minutes – please click here to access my online application, which features the industry’s leading security protocols to protect your information and your privacy.

Scott Digregorio