• Pre-qualification on the spot
• Sample financing options for the property
• Current "Hot List" of loan programs
• Information about the credit scoring process
• Tips for credit cleanup
  
• First Time Home Buyer's Guide*

As a follow-up, I can also provide pre-approval for prospects so they may shop as a cash buyer. Your seller will receive legitimate offers through this process, and I will be able to weed out any unqualified prospects. I have a sophisticated database management system for follow up, and I ask many questions about each prospect's long-term goals. This enables me to get a clear picture of what type of financing is best for them, and work with them as an advisor rather than someone who simply quotes rates and provides the debt.

It is important for you to know that my policy is as follows: My job just begins when the client's loan closes with me. I continue to monitor rates for the borrower and stay focused on helping them manage this debt. In addition, I send out a friendly quarterly newsletter, a financial newsletter, and follow up with an Annual Mortgage Planning Review. At any time throughout the life of their loan, my clients are advised to inform me of any changes which might affect their financial situation, at which point I provide them with spreadsheets to help them see what their options are.

(RESPA laws require Real Estate professionals to pay a proportionate amount of the costs for co-op marketing and distribution. I have negotiated fair rates with my vendors, and I believe you will find the costs are reasonable. (See http://www.hud.gov to access RESPA ruling 24CFR3500)