I think that you will definitely have a great comparison point, based on your first exposure to the real estate industry as a first time homebuyer. What I mean is, you have already had a really bad experience but, there are so many great professionals in our industry, you simply need to know where to turn and who to trust to find the really great ones!
Great real estate agents surround themselves with an excellent network of professionals that span any need that may arise for their clients in the pursuit of their largest investment....their home! Please contact me at http://Www.TampaHomeWiz.com, and I will help you get in touch with the best in the industry, and get you back on the right track, with a positive home buying experience!
"Uncompromising Excellence in Real Estate Service"
Keller Williams South Tampa
(813) 875-3700 ext 288
The best ways is to ask your family and friends whom they used and whether they were happy with that person and would they use them again? Even if you get referred to a mortgage planner by a friend, be sure to be proactive in the questions you ask him or her and donâ€™t simply let the person dictate what is best for you. Remember, a mortgage is most likely the largest financial decision you will ever make. Even if you are dealing with your local bank, you need to ensure the person you are dealing with is knowledgeable on all facets and not just there to take your order. Your financial well being depends on it.
Once you decide to go with a particular mortgage planner make sure he is able to provide you with a reason why you should or should not be in the program he is recommending to you. He should be able to offer you several options and a mortgage plan to accomplish your financial goals. Donâ€™t let him just push a mortgage on you.
Remember this should be a collaborative effort in choosing the right program for your needs. If he does not have the time to dedicate to you, thank him and look elsewhere. However, be mindful that his or her time is equally important and donâ€™t waste it. Think long term and be decent: If you have a good meeting and if you are satisfied with her expertise, engage her services for your mortgage. Donâ€™t take all of the time, expertise and information she has provided you and then go somewhere else because you can get the program you decided â€• with her help â€” was right for you, from another seller for a â…› or a Â¼ of a point cheaper. That is not right and chances are if you switch to another person without researching him, you could be in for a bumpy ride. Over the years we have had several clients call us back after going with another lender only to find out that what the other lender said they could do ended up not panning out.
So as you are trying to find a quality planner to rely on, use these questions to see if they are qualified:
1. Is this your full-time or part-time job?
2. How long have you been in the mortgage business?
3. How do you get most of your clients?
4. Do you have any information I can read about your background and experience?
You should also Google the mortgage plannerâ€™s name and company to see what you uncover. If good stuff comes up, then proceed. If bad information pops up, then I suggest that you look for another planner. If no information then you have a decision to make.
Now, when you ask the above questions, the planner doesnâ€™t have to come through with shinning results on every question. These questions are simply provided to give you a basis to form an opinion. People can be brand new to the industry but based on their former background can be very knowledgeable. Likewise, some can have 15 years in the business and only be an order taker and offer no planning advice.
This is an except from my book and while I do go deeper there I think you get the point. I wish you the best of luck finding a new person to work with you in realizing your dream of homeownership.
I understand your concern having your credit pulled again, but don't let that stop you from getting another lender. Unfortunately, the lender may not be calling you back because you don't qualify, but that is not professional and most lenders can tell you what you need to do to become qualified.
If your realtor can't recommend another lender or he/she can't get in touch with the lender, I agree with you, start over with new representation on all ends.
This is grounds for finding a new company to do business with........prior to this, we suggest contacting the office manager to explain your concern. Give them the courtesy of this so they can make an attempt to fix the problem.
The "Eckler Team"
Open communication is one of the most important aspects of providing quality service. If your loan officer (or your Realtor) are not providing the level of communication you want, then, as several others have suggested, find another professional that is willing to serve your needs.