Our Business Model

What is “By Referral Only™” and what does it mean?

Definition –

“By Referral Only”™ is how we have chosen to run our business. It does not mean that you have to be sponsored or referred to us, though referrals comprise over eighty percent of our business.

To make our business “By Referral Only”™ we must deliver the highest quality of service and a mortgage experience that exceeds your expectations. So that we can earn your trust and become referable to those you care about.

What “By Referral Only™” Means to You –

Because we operate our business in this manner we can dedicate all of our time servicing your mortgage needs at the highest level.

Really would your rather us spend time as most other lenders do chasing down new business? Or would you prefer us to dedicate all of our resources to making your loan experience stress-free, enjoyable, and with an on-time smooth closing?

How It Benefits Everyone Involved –

By developing and maintaining healthy long-term relationships with people like you it benefits all parties involved – you, us, and the people that you refer to us.

Think about it, you have professionals in every area of your life that provide you with good services on a long-term basis, people like your financial advisor, accountant, lawyer, doctor or trusted mechanic. Why do so many people look at getting a mortgage as such a short-term relationship? When you consider that for most people, buying or refinancing a home is a big deal so why do they settle for a loan officer they don’t know and trust?

Over the years We’ve seen too many people end up with less than desirable results when buying or refinancing a home.

For example, I had a client that prior to being referred to me had been promised a $5000 credit towards closing cost at closing when he had purchased his previous home. Amazingly the credit was not on the closing statement. He called the loan officer who would not answer his phone.

The sellers are sitting across the table waiting for him to sign the documents; the movers have their truck in front of his new home ready to unload. What’s he going to do? As you can imagine he’s in between a rock and a hard place. He signs the papers so not to be in default on the home purchase contract, hoping that the loan officer will refund the $5000 as promised.

As I’m sure you can imagine the unscrupulous loan officer never returned the call and he never got the $5000 credit that had been promised.  The deal that was “too good to be true” as we know never was.

Because we depend on your referrals for our business that will never happen to you when you work with us. We want to be your “Lender For Life.” It makes perfect sense. You don’t want to change your doctor every time you need one. Why would you want anything less from your mortgage consultant?