Thinking about a Mortgage?


mortgage-applicationUnless you are an all cash buyer, you will need a “financial partner”, also known as a MORTGAGE LENDER, to provide the funds you don’t have to purchase your new home. This requires you to convince your new “Partner”, that you have the capability to pay back the funds they will advance you to enable you to purchase your home.

But that’s only half of the lending process.  The other half is lender approval of the property.  The lender will Google the neighborhood and find that many of these are second homes, are rented and there is a Homeowner’s Association.  Suddenly your 850 FICO score becomes kind of irrelevant.  It’s all about the property now.

I can help make this process a lot less difficult and a lot more likely to succeed.  This is a resort area and most lenders aren’t familiar with our specialized mortgage market.   I can guide you to several experienced mountain resort lenders with years of success in Summit County.

Your college buddy who is in the mortgage business in Greeley or Omaha may be very successful in that market.  He may have financed your home. But when it comes to originating a mortgage on a Frisco condominium for the first time, he’s probably gonna fail.  Sorry, but I’ve seen that literally a hundred times.

The very first question any Summit County broker receiving and offer with a mortgage will ask is “Who’s the lender?” The odds of your offer being accepted increase greatly if you can say that you are working with a knowledgeable local lender.

I have a list of local lenders who are experienced in mountain resort lending who have had years of success in Summit County.  I have no agenda regarding which you choose except to see that you have a successful closing with the first lender your decide on, not the second or third one.

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The Real Estate Insider