If so, then please allow me the opportunity to tell you about my Company!  First of all, I am very excited about all the opportunities I have to offer!

My company, Peoples Choice Home Loans, prides itself in being a non- traditional mortgage company.  This being the case, I am able to provide you, my client, with first class customer service and at the same time a low cost mortgage solution.  I serve as the company's mortgage broker, and I personally work with each applicant to assure they receive the very best program for their specific need.  In other words, I tailor a loan program specifically for you. I make sure that I provide the best in value for both the short term and for the long term. I tailor the lowest combination of interest rates and broker fee closing costs available.  In fact, I challenge you to find a better deal!

Allow me to share some information about traditional brokers and bankers. According to Bankrate.com the average closing cost for a conventional $200,000 loan in 2008 for items payable in connection with the loan was 1.2415% or $2483.00.  My fee for this same loan program was only 1.125% or $2250.00  This is a savings of $233.00 in closing cost fees alone. This is not a large sum, but when the loan amount increases so does the savings.  Keep 100's to 1000's of your hard earned dollars in your pocket at settlement.  Oh, by the way, I can also offer a zero closing cost loan option! 

You might be wondering how my company can charge so little?  The answer is simple.  My business is family owned and operated with extremely low overhead costs.  Our savings are passed directly to you our clients!

One additional thing, my company, People Choice Home Loans, is also an Upfront Mortgage Broker®. 

So what does this mean, and why is this important?  It simply means that you will know your actual closing cost from me "upfront" as stated on your good faith estimate and on your mortgage loan origination agreement.  This is very important because it prevents any bait and switch tactics that some brokers may use to capture your business and then increase their fees at closing.  Thats right, you pay for these increased fees either through a higher interest rate, higher closing costs, or both in some cases.

Are you starting to see why my company really is the Peoples Choice when it comes to mortgage financing?

Thank you for visiting this site, and please stay around a while and explore the answers to all your mortgage lending questions.  Also feel free to contact me anytime with questions or to start your loan application.