Community Lending Solutions, Inc

I am horrible at keeping up with posting on social media and "maintaining an online presence", but I'm happy to say it's only because I'm always busy with my customers!

Today is an exception, though, because I'm feeling especially grateful. In just a few days, Community Lending Solutions will be celebrating our 3-year anniversary.

I wanted to take the time to say THANK YOU for giving me an opportunity to work with you.

I probably still won't have a lot of time to post online, but I think the reason I stay busy is because of the promise I make to all my customers:

I want to make sure I am the BEST choice for you to obtain your mortgage. I will take the time to make sure I am getting you the lowest rate, lowest costs, and best service available in the entire market. If I'm not entirely confident I can achieve that for you, I will genuinely tell you where I think you can get the best mortgage for your situation (this does happen on occasion with certain types of 2nd mortgage products, or new construction builds, etc)

I'm able to accomplish being the "best" so often because I am a one-person shop. I don't have a marketing team, or a processor, or any third-party underwriters I hire. I do it "all" on every transaction, even the administrative and compliance work.

I'll never grow into an "empire" or "get rich" this way, but I can make a good living and sleep well at night knowing I got my customers the best product and price possible. I work for YOU. That's the entire concept and why we're named "Community" Lending Solutions.

Thank you again for your support these last 3 years!

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This is where it helps to own a brokerage. My rates aren't great, but they're at least still in the sixes.

Wholesale lending through a brokerage is significantly less expensive than retail lending, but statistically, 90+% of people go through retail when buying or refinancing.

Then again, I guess when you're spending more than I make in a year on your monthly marketing, you get the business

But if you want to save money, your local broker will give you the best loan. You can support local business and actually save money doing it. No reason not to.

www.cnbc.com

I always tell people that my company Community Lending Solutions, Inc provides wholesale pricing to my customers, but what does that actually translate to?

Well, let's use today as an example, and this is a loan I just locked for a customer.

Had they used an average lender, the rate they could expect today on a 30-year Fixed rate mortgage would be 7.717%

The rate I just locked them at? 6.75% (yes, still on a 30 year fixed), and that's giving them a lender credit of .228%

So let's pretend you were borrowing $175,000. With me, your monthly principle and interest payment would be $1135.05, and I give a lender credit of $399 at the same time

With the average lender, your payment would be $1,250.10

So you pay $115 less to support local business, all while getting superior service.

Yes, the mortgage market stinks right now, but it at least stinks a lot less when you deal with me.

Merry Christmas and Happy Holidays from our family to yours! 🎁