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Looking for a Lender?

If you are beginning the process of looking for a home – you are going to want a GOOD LENDER!  It is best to have a lender who is familiar with you, perhaps already aware of your financial situation, or at the very least – someone you can sit and talk with face-to-face.  After all, you are making the biggest “single” financial decision (typically for most people anyway),  With that being said, we can provide a list of names for those lenders who have provided GREAT Customer Service to other clients – and happy to make any of the introductions you might need.  Remember, each person is different, as is their financial situation, so what works for one person may / may not work for another.  The more your Realtor knows about what your specific needs are for financing, the better we can help to give you names for lenders in our area.

This is by no means a complete list of the lenders we have had clients use, and does not in any way reflect an affiliation agreement.  To follow RESPA requirements, there is NO compensation to our office nor agents for our clients who may choose to use of any of these lender recommendations.

Drew Huggins, Caliber Home Loans, [email protected],  937-620-7664

Cheryl Mathis, Caliber Home Loans, [email protected], 937-401-0025

Austin Rines, USA Mortgage, [email protected], 937-424-6061

Karen Vosler, Union Savings Bank, [email protected], 937-431-3663

Dave Gerhard, Fifth Third Bank, [email protected], 937-274-1274

Sometimes loan officers will change the company that they work for – this list is accurate at the time of posting and subject to change.  Speak with your Realtor to ensure an up to date list can be provided if necessary.

What does a 550 FICO Score Mean for YOU?

USUALLY – it means you cannot get a loan to buy a home – until you raise your score.  However, Carrington Mortgage Services has a new program that MAY work for you!!  Carrington 550FICO FLYER

To make things easier for you – and to find out more…Contact

Holly D. Matthews Mortgage Loan Officer

Ohio, Kentucky, Indiana, Tennessee NMLS 1289185

Sarah Roe – Loan Officer Assistant available at [email protected]

Carrington Mortgage Services

Direct: 513-227-9983

F: 859-908-2918

E: ho[email protected]

W: www.carringtonhomeloans.com/lo/hmatthews

NMLS # 1289185

          

Not all Lenders are Created Equally…

Sure, a majority of our client’s who come to us to buy a house already have a lender they are working with, but in some cases – buyers have not decided which lender could work the best for them.  As Realtors working multiple clients and deals at a time, we can get a idea of what lenders work hard to get the deals done, or perhaps – what lender likes to work within a certain “comfort zone” of their own niche.  While we are happy to provide the names of lenders to any client who would ask – it is NOT because of any affiliate agreement or potential receipt of any fee that we would or could provide that information.  Our clients provide us with feedback for those services they use and based on the satisfaction of those clients – we recommend lenders we have been able to use and COMPLETE deals when using their services.

Carrington Mortgage Services was one of those referrals to meet from another “trusted” vendor – and we are so HAPPY to have met Holly Matthews as their loan officer.  Immediately I was impressed with her zeal to get in and see what she could do to help with clients looking to buy, she stated quickly – that if she did not know the answer, she would work hard to find out and that includes if she could not work with a particular client, she would offer suggestions to get them ready for when the time was right, or even offer another source to get it done.  WE LOVE THAT OUTSIDE OF THE BOX THINKING!

What is even more important, when the seller’s market is as HOT as it is now – BUYER’S MUST BE PREPARED NOW – they don’t want to wait 72 hours to get a pre-approval (especially if it isn’t worth the paper it was written on!)  Holly will take the time to answer your call, provide sound financial advice as to the best loan program for you and ensure that the information she needs to collect from you truly establishes your financial ability to BUY that house.  Having confidence when you make your offer will help to ease your concerns when going out to tour homes and more importantly, it will give you the ability to actually follow thru with the offer and get to the CLOSING TABLE.

Just so you can have an opportunity to read over her information, I am attaching the WELCOME PACKET she provided me to give to client’s who are searching for the “RIGHT LENDER” to make their American Dream of Home Ownership a REALITY!!

CARRINGTON Introduction Packet – Realtor

Union Savings Bank

With so many choices for lenders out there – you may often wonder, what’s the difference?  We like to let our client’s know that sometimes it is a matter of personalities, but often times – you want to compare rates and closing costs to ensure you are getting the best deal possible.  Other times – it is just knowing that the lender is IN IT with YOU and willing to make the process work, or take the extra time you might need to get the financing, or to help answer questions or so many other pieces of the puzzle that may need to “fit” to get your into the home “loan” for your budget.

I love when a lender is available to take calls, responds to emails, when they are PROACTIVE in working together and when they find the “right program” to fit our client’s needs!

$250 Closing Costs Union Savings flyer

Blanket Loan Union Savings Flyer

Commercial Real Estate Loans Union Savings

Communities First Down Payment Program Union Savings Flyer

Construction Loans Union Savings Flyer

How to get Pre Qualified UNION SAVINGS Flyer

Union Savings JOE WOMACKS lender programs

VA Loan Programs Union Savings Flyer