Loan City Home Loans
Online, July 12, 2013 (Newswire.com) - There is a new player in the home loan market offering lower mortgage rates, superior service and the personal touch that seems to have left the mortgage industry. Loan City Home Loans treats its clients like family and looks to retain them long term. This approach to the mortgage business has allowed them rapid growth while maintaining a high level of service. The Loan City Home Loans philosophy is simple, take care of your customers and they'll keep coming back and referring friends and family members.
It's their referral base by their customers that has been the root of their success. The vision when opening Loan City Home Loans was to start with the local community and build a strong foundation with high standards of service and ethics. Simply put, do what you say you're going to do each and every time. Sounds like a simple mission statement however; the internet is riddled with complaints about mortgage companies. Loan City Home Loans is here to make clients feel their business is important and their best interest is top priority. Loan City Home Loans feels this is the formula to long term success.
Understanding that borrowers have numerous options when looking for a mortgage, Loan City Home Loans needed to set themselves apart from the pack. They believe it starts with maintaining an excellent reputation. Loan City enjoys an "A" rating with the Better Business Bureau and has received zero complaints, a welcome credibility in this age of loans being re-assigned from bank to bank with no end in sight. Also, Loan City is highly reviewed on popular business review websites such as Yelp.
Andrew Martinez, co-founder of Loan City Home Loans states "we employ only the most experienced loan officers and use our experience in conjunction with the multiple mortgage products we offer to ensure the highest level of success possible for our clients. We don't believe in the power of numbers philosophy when it comes to employees, each new loan officer is interviewed multiple times and monitored for customer satisfaction". Loan City Home Loans also looks to retain its' employees long term. They want to make sure there is a consistency to its level of service and it start with happy employees.
Loan City Home Loans understands that being flexible by offering multiple loan programs is essential to the success of the company. With its diverse loan options, Loan City Home Loans can truly tailor each mortgage to its customers' needs and capabilities. The sometimes-complicated process of applying and understanding the various programs is made easy by Loan City's helpful staff. Some of the product offerings are included, but not limited to, HARP, Down Payment Assistance Programs, Homepath Mortgage, USDA, VA, FHA and Conventional loans.
The Homeowners Affordable Refinance Program (HARP) is for home owners who are paying above-market interest rates and have loans currently owned by Fannie Mae or Freddie Mac. Loan City Home Loans has seen a wide range of rates being offered by mortgage lenders for the HARP program. It feels when refinancing under the HARP program shopping for rates is critical. Thousands are finding relief through HARP and Loan City Home Loans is proud to help homeowners get the lowest interest rate possible.
The California Down Payment Assistance Program (CHDAP), when used in conjunction with an FHA loan, only requires a borrower to come up with 1/2% for the down payment plus closing costs. Fannie Mae's HomePath Mortgage program is also another low down payment option. This loan program is only available on Fannie Mae's foreclosed properties however; only require 3.0% down with no mortgage insurance. Both of these programs are opening the door to many for home ownership because of the low down payment options.
Loan City Home Loans accurate perspective on the home loan process-that you don't need a rocket scientist but rather someone who is "darn good" at home mortgages-is proven every day as the company matches prospective home buyers with loans that give them the best deal possible. In addition, Loan City Home Loans prides itself on identifying any potential roadblocks people may face when attempting to becoming homeowners and executing a game plan with its clients that will result in a successful outcome.
If you're looking to purchase a home or refinance a mortgage Loan City Home Loans won't let hurdles stand in the way. Loan City Home Loans feels it starts by properly qualifying borrowers. Loan City Home Loans founder believes ,"not properly qualifying borrowers is recipe for disaster and will only lead to frustrated clients. At Loan City Home Loans we pledge not to leave our customers disappointed and will not back off if a client does not have a perfect financial profile. We're in it for the long haul if necessary and will advise the client on what needs to be done in order to qualify for a mortgage". Loan City is determined to configure loan packages that will be affordable and fair for all parties involved.
Loan City Home Loans doesn't believe the process ends once your loan closes. Since its relationships they are building with their clients they'll will maintain contact with their clients well beyond a year after their loan has closed. "We feel birthdays are important and are consistent in thanking our customers with a birthday cards which include a Starbucks gift card.
Clients also report easy contact with Loan City Home Loans long after their loan has. This type of praise, as well as its strong growth profile, proves that Loan City Home Loans will be a force in the mortgage and refinance market for years to come. Loan City Home Loans is built on excellent core values and principles that have proven to be key to its success. Their committed to faster closings at cheaper rates and providing individualized attention to its customers. Thus far, the formula has worked wonderfully as the firm has seen a steady increase to its business.