Thanks for all your answers.
I see someone write about short sale and other things taking my name. That is just not true.
I was a buyer when I posted this question and have happily moved into my new home since.
I agree with some big banks its a nightmare to close even if all the documents and ficos are good.
Let us help each other by posting the names of ethical and good mortgage people so that it can benefit others too.
You should speak with Ed Woolery of the Bianchi Team at Countrywide (now B of A). The Bianchi Team is one of the largest and most sucessful teams at Countrywide and Ed is one of the senior people there. I believe they are the #1 team in San Diego and something like #4 nationwide
Tell him Jay at PineappleHut sent you
ps: I get no compensation for this endorsment nor am I affiiated with Countrywiode
At Ferris Financial Group, Inc. we have 99 lenders available including most of the banks. We are a Loan broker company. The way we are set up, in some cases we can compete with the banks to place your loan and can probably do it for less than a bank can do it. As a loan broker we are licensed by the Department of Corporations with a Finance Lenders / Brokers license. We also are licenced by the Department of Real Estate. If you are interested in hearing more, please call Ferris Financial Group, Inc., Jack Ferris at 925-858-2879 so we can discuss with you what we can or cannot do.
Licenses and Certificates Held:
California Real Estate Brokers License
California Real Estate Officers License
Department of Corporations Lenders and Broker License
State of California Occupational License
Salesperson License for Manufactured Homes
Manufactured Home Dealers License
CAL VET Loan Certification
Here is our contact information if I can answer any more questions:
Ferris Financial Group, Inc.
If you still need "help"...I got off the phone with a good friend and client last week who was looking to re-finance his existing Countrywide loan. He had already talked with Countrywide at their office in Dallas and gotten quotes.
Since I am a member of a referral group called Gold Star Clubs (http://www.goldstarclubs.com) I referred him my local lender, Mark (also a Gold Star Club member) who I knew, liked and trusted.
After they talked, he called and thanked me, and said, "WOW! Mark beat the pants off of Countrywide with better rates, and lower fees!"
Need more details? Email me at firstname.lastname@example.org
If I can assist you, let me know.
The Loan Arranger
San Diego, CA
My favorite is Vivi Bossard
Home Loan Consultant
Countrywide Bank, FSB
In addition to traditional mortgages, she is also an expert in first time homebuyer programs and VA loans. She has saved my clients subtantially.
Best Regards, Woody
Having a good reliable mortgage agent is crucial in the rapidly changing market. I am going to give you two loan agents who can take excellent care of your mortgage needs and provide you with the excellent customer service.
The first one is Lori Goldman at 619-885-0093 and the second on is Bill Attaway at 619-240-9061. Be sure to mention my name when you call them.
If you don't already have an excellent real estate agent that is currently looking out for your best interest, then I would like to apply for the job as your real estate agent.
Good luck with your plans.