What Does One Stop Shopping Mean To You?

Savings - Our customers save money with us because of our unique ability to leverage their time and money.

 

Accountability - Better communication, fewer mistakes, local regulation and oversight.

 

Simplicity - One point of contact for both services.

 

Transparency - Consistency between the initial estimate, purchase contract, and closing table, engenders consumer confidence.

 

Data Security - Your personal data in contained to fewer handlers.

 

Peace-Of-Mind - Consumer confidence created through simplicity of process, transparency of information, and a higher level of professional competency provided by the Realtor.

 

Higher Professional Competency - Resulting from advanced training and experience in both real estate and finance.

 

 

TRADITIONAL MORTGAGE & REAL ESTATE:

WHY PAY MORE TO ENDURE DOUBLE THE HASSLE?!

 

     Traditionally, the only option available to consumers buying and/or selling a home was to work with and pay commissions to both a real estate agent and a loan officer.  Dealing with separate entities is not only more expensive but more time consuming and confusing.  Consider how the traditional business model is structured to limit consumer choices while increasing consumer costs:

 

TRADITIONAL STRUCTURE

 

 

     The consumer ultimately pays for the real estate company, including infrastructure, the building, employees and so forth.  Next, there is the mortgage company and all of its operating expenses.  The cost of doing business with both companies trickles down until it is finally absorbed by the consumer.

 

     Most consumers would agree that dealing with two professionals to execute one deal is one too many.  The consumer is often stuck in the middle giving the same and/or similar information to the loan officer that they’ve already given once to the real estate agent.  The consumer must duplicate their efforts, field requests for information from two professionals and in the end pay more for twice the hassle.

 

     Beware of Preferred Lenders: Real estate companies typically have an exclusive business agreement with only one lender usually referred to as the “preferred lender”.  Financial benefit to the realty company from this arrangement is why one lender is “preferred” over another and why realty companies don’t offer a selection of lenders for consumers to choose from.   These preferred lenders have niche markets, for example, some handle only “A” level credit, some offer only sub-prime loans, some do not handle 2^nd mortgages, etc.  With the diversity of consumers and their varying credit status, the preferred lender:

·          May not have products that meet a particular consumers needs or

·          Will place the consumer into a product they may qualify for but is much more expensive than products offered by alternate lenders

 

     Real Estate License Does Not = Expert: RealtyU Group, the largest network of real estate schools in the country reports that 50% of all new real estate licensees leave the industry before their first anniversary.  Even more alarming, the National Association of Realtors (NAR) states that 85% of new agents entering the real estate industry have no sales background and the remaining 15% have minimal sales and real estate experience.  The consumer will most definitely pay for the learning curve of the new and inexperienced agent that may not even be in the real estate business over the next year.  Often even the most experienced traditional real estate agents are unfamiliar with mortgages and only know how to write the financing section of the real estate contract as a 30 year fixed loan product – that is poor representation. 

 

     In addition, what the real estate doesn’t know or want the consumer to know could cost the consumer thousands!  For example, a consumer is considering refinancing or selling their home but can’t decide which would make the most financial sense:

·          Does the real estate agent know enough about mortgages to analyze the consumer’s finances and determine if refinance would be the best option?

·          Does the real estate agent even want the consumer to know that refinance is an option?  If the consumer refinances instead of selling, the real estate agent will not get paid – only the loan officer will make a commission.

 

     The good news:  Technology has freed up time on both the real estate and finance sides of the transaction to allow for the consolidation of these services.  This new industry trend will save consumers a fortune in time, money and stress.  Consider how a full service real estate and mortgage brokerage eliminates an entire tier of cost to the consumer who won’t have to pay for doing business with two separate entities.   

     

                                                       NEW TREND

 

 

• We keep simplify your transaction so that you only deal with one professional – less hassle!

• We will package and bundle our real estate and mortgage services to give you an offer you can’t get anywhere else!

•  We do not have preferred lenders! – We have access to over 65 lenders and can price your loan through a variety of options to ensure that no matter what your credit situation, you get the best rates possible!

• We provide expertise on both sides of the transaction to properly analyze, critique, question, negotiate and write your contract regardless of the loan product you choose!

•  We are passionate about full service, one-stop real estate and finance services!