Veterans Helping Veterans
We’re here in Florida for the Military Makeover show and a Win came up for us recently. We had a disabled Veteran contact us recently through one of our Financial Advisors – he brought up that the gentleman was looking for $300,000 due to a financial situation that had come up for him. The Advisor had been recommending a HELOC but fortunately they got the Veteran connected to us and we were able to talk to them about VA financing. We let him know that he and his wife could do a 2.375% interest rate, we could pay all of their closing costs and they could get the $300,000 cash out that they needed. We were able to get that deal closed in about 21-25 days, the Veteran was super happy and promised to refer any friends, family or any other Veterans that he knows back to us.
Their Own Home for the Holidays
I first talked with my clients back in June. They were living with their in-laws and had no credit which limited them in making a home purchase. I advised them on how to build a credit profile and four months later they we were able to obtain a credit score, which then enabled them to start looking at homes! Since they were short of funds, I explained FHA financing as a great first-time home-buyer option, and also recommended an offer on the home in which the seller would pay the closing costs, helping them further. With an offer accepted and a closing date in December, our clients will have a very special holiday in their very own home.
Solving Difficult Problems
My client had tried to refinance numerous times and her loan was rejected by 5 other lenders. When we looked at her income as a self employed tax accountant, her debt to income was over 75%. Our company is known for solving difficult problems when other lenders have turned people away and we did just that. In this case we switched her loan due to her low income and combined a few other resources to get her debt to income ratio down to 49.879%. We researched every possible solution to solve this one!!! When all was said and done, we saved her $3170/mo.
Helping with Sound Advice
Most recently, I reached out to my client of over 15yrs. who was despondent! She had accumulated a lot of credit cards and her ARM had been reset. Her and her husband make a decent living but close to half of their monthly payments are going to their credit cards and a 1st & 2nd mortgage on their home. We took that amount down by 1/3 by helping her refinance. The most important lesson I took from it was that there are a lot of borrowers out there who simply pay their bills and don’t even consider refinancing because its too overwhelming. As a Loan Advisor, I realized that we have to reach out to provide education as we truly make a difference in our client’s lives.
Achieving a Lifelong Goal
We had a client close this week who was a woman in her mid-50s with a daughter who was disabled. Our client hadn’t purchased a home previously and we were able to connect her with a special government grant. Soon after, she brought us the rendering to her new home which was so impactful to see and share. Moments like this take the numbers off of the page and humanizes the process. It reminds us why it is we do what we do. We help people achieve a lifelong goal of homeownership.
I was in the process of refinancing a loan for a young woman who had come upon especially hard times. She had a disability that forced her into a fixed income, her aging father was struggling with cancer and within the next few years she would be losing child-support that contributed to her household income. After crunching some numbers, I found that she would be saving almost $350 per month by refinancing. This young woman’s father then confided in me that he was proud of her but worried about her home when he wasn’t around, so we helped put together a gift from him for $50,000 to buydown her loan further. His 16 year old granddaughter has a 4.6 GPA, and he expressed how proud he was of her too. Needless to say when his daughter found out what her father did she was beyond words and in tears. Her dad was happy that he could do something now and know she was OK when he left this world. Something all parents hope for. This is the kind of thing that makes me proud to be doing what I do.
Your first home is the biggest investment of your life, and we’re passionate about educating you. We offer loan products for every need, including:
Then it’s time for a consultation with a local LendUS® loan advisor. No matter how complex your property, taxation, or family planning objectives are, we’ll take you through it with personalized service, a custom plan, and precise execution every step of the way.
Refinancing is all about discovering new opportunities to achieve your goals faster.
LendUS® was created as a collaboration between RPM Mortgage and American Eagle Mortgage – two well-established mortgage companies with like-minded industry veterans. Together, we have formed one company, with one name, that is solely-focused on providing our clients smart advice and an easy process with super speed.
We have a combined talent base of hundreds of loan advisors, and a national leadership team in place for more than 20 years. All of whom embody our core values: All-In like family, Driven like Wall Street and Approachable like Main Street.
LendUS® continues to provide the ultra-attentive service, community focus and local expertise we have always been known for, but with the added benefits of a broad product selection and the strength that comes from being a nationwide firm.
We are dedicated to finding innovative solutions and technologies that simplify the often complicated lending world. Our Home On Time® App allows you to apply and manage your loan on any device, at any time. This commitment to ease and speed goes a long way in our efforts to help you achieve your home financing goals.
A career at LendUS® means being empowered to maximize your potential. We are individuals with diverse talents and tireless work ethic, united by one mission: to simplify the complex business of lending. We are innovators, problem solvers and collaborators. We are driven by a commitment to each other, our clients, and our communities. We are supportive, patient and welcoming. Through creativity, technology and an unwavering focus on personalized service, we never stop improving.
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