Certified
PA Mortgage Company.
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PA Better Business Bureau member.
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Certified Residential Mortgage Specialist (C.R.M.S.)
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Graduate of Residential Mortgage Lending School (G.R.M.L.)
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Licensed & bonded in
Pennsylvania.
- We are
a PA Loan Correspondent, which means our company can either
close loans
in our name or broker them.
PA Mortgage Loan
Correspondents receive wholesale
rates from the lenders they work with (over 40 lenders). Some
of these lenders, such as Citibank, Sovereign, or Wachovia, may also
have separate retail offices. We receive wholesale rates that
a consumer can not obtain directly because of the cost savings we
provide to the lender. |
Christine Bell, CRMS -- President
1 of 9 PA Certified Residential
Mortgage Specialists |
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Message from Company President:
"It has been a difficult year for many in the
mortgage business. Companies large and small are closing their doors,
especially in the sub prime industry. We stepped out of the sub prime
business in 1999, focusing instead on good credit and construction loans, and
our business remains viable and strong. I started this company in 1995 and
I assure you, that we survived market ups and downs before, were ready for this,
and we are not going anywhere. I may look to sell the company and retire
in about 25 years, but until then, we, and I will be here whenever needed.
There is nothing else I would rather do than continue serving the residents of
our state. We have a lot less lenders to work right with because
many have closed, but we have as big of a selection as any competitor.
Other than the loss of lenders, from 100 to less than 50, and the continued
elimination of loan programs from all lenders, we will tell you up front what to
expect and we will make your life better by being your advocate." Christine Bell
One stop shopping for your PA mortgage:
We will save you money, time, and prevent stress. If one of our
100+ wholesale lenders declines your loan, we have 99+ other lenders (all Large, Proven Companies for excellent service after closing) to turn to. Usually when one wholesale lender declines a loan, another
more lenient lender approves it. This repackaging and reapplying with other lenders is invisible and Free to you, and many loans require it.
We are Pennsylvania's
Mortgage Company - Always there for you:- We are a traditional mortgage company, with an office where most of our business is handled face-to-face.
- The owner of our company has resided in: Philadelphia 5 years, Monroe County,
PA 12 years; Hazelton, PA 1 year; Pittsburgh 1 year, North-central PA 2 years, Montgomery County,
PA 8 years; Chester County, PA 9 years. We are very familiar with the various regions of Pennsylvania, which means better service and understanding of your local real estate market.
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Founded in 1995 in Montgomery County, PA and in 1996 we moved to Chester County, Pennsylvania.
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We plan to open an office in downtown
Bethlehem, Northampton County in 2008.
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We have closed loans equally in every
reqion of PA.
- One of only
nine Certified Residential Mortgage Specialists from the N.A.M.B. The owner, Christine has a BA in Finance, magna cum laude, from Ursinus College and is pursuing an MBA at Villanova and St. Joe's University.
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Customer satisfaction the first priority. This is achieved by giving all customers:
- Interest rates and closing costs that are better than the competition.
- Peace of mind with no uncertainties. The rate gets locked with a free float down option, and loan fees are guaranteed at application - no unpleasant surprises!
- Full access to contact the company owner anytime.
- Guaranteed responsiveness and regular updates - this is a common complaint we hear from people about other lenders.
- Our understanding that purchasing a home is a stressful time and a commitment the last thing you will need to worry about is tracking down your loan officer or hidden fees.
- Our customers satisfaction is extremely high. All of our customers save money and are treated as assets by our company.
- We are proud of a record of zero (0) customer complaints
in 12 years! Can be verified with the C.P.A., BBB, HUD, etc.
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We are licensed as a PA Loan Correspondent (similar to a mortgage banker) , so we can close loans in our name, issue rate lock agreements, and more. Mortgage Brokers,
needing less credentials to obtain a license, are not permitted to issue loan commitments or rate locks
or close in their name.
- We hope we can add you to our list customers for life!
Contact Information:
Open 7 days: Monday through Friday 9 am to 8 pm, Weekends 12pm to 5 pm,
and by appointment.
*$75 off closing costs applies to new customers during business hours to all e-mail and phone calls.
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