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Getting A Home Loan Is No Time For Surprises

Buying a home is the single largest and most meaningful purchase in a person's life. That's why you want to trust the financial side to someone who knows what they're doing. A blown deal affects everyone - buyers lose their homes and Realtors lose their commissions.

To avoid problems, we follow a process that keeps all parties informed and gets necessary approvals upfront, not at the eleventh hour. Our computer-automated underwriting allows us more control and a quicker turn time. Settlement statements are generally complete well ahead of time and, should you have any questions, someone on our team is always available. In 2008, 98% of the deals we submitted to underwriting closed, and all of those closed on or before deadline. The transactions that didn't close? Ones where clients did not have a professional in their corner looking out for them. A great Realtor is worth their weight in Gold. I can refer you to one of the best in the Bay Area.

But as far as we're concerned, this is simply doing our job. We offer more. Kam's background in finance helps us not only understand the complexities of mortgage lending but also to identify which kind of loan will best meet a homebuyer's financial goals. A 30-year fixed-rate mortgage isn't the best option for all buyers. First-time homebuyers, self-employed people and investors have completely different needs.

Call us now for a free assessment of the kind of loan that best suits your needs.

To Your Success!

Kam Garms 813-758-2004  kam@excelmortgage.com