A Mortgage is kinda like piloting a plane....... Say What????? Read on!

Purchasing or refinancing your home is like taking an airline flight cross country. When you start your trip, you have no idea how the trip will go. Neither does the pilot! You could run into ALL types of turbulence, or you could have a smooth flight and land on time. Certainly, the pilot will try to use his or her experience to navigate around storms and go for the smoothest flight plan, but if they're honest, they can't promise a turbulence-free trip. Their job is simply to get you to your destination in the least time and with the least aggravation while keeping you informed throughout the trip.

My role is "the pilot" of your plan. My job is to assist you in getting your mortgage for the lowest cost, in the least time, with the least aggravation. I can't promise you there will be no turbulence but I can promise that I will use my experience and expertise to take you on the smoothest flight that I can. And if we hit turbulence, I won't bail out on you!  I will be your teammate throughout the flight until I get you safely to your destination.

See the different types of turbulence below.

Turbulence! The Lender:   Borrower does not qualify because of a late addition of information.   .                 Lender requires, at the last minute,an appraisal    The Buyer:     Wasn’t completely honest on the application.        Submits incorrect tax returns to lender.    Source of down payment changes.   Job change, illness, divorce or other financial setback    Comes up short on money they stated they had.   The Seller:      Illness, divorce, etc.   Home has hidden or unknown defects that are subsequently discovered Home inspection reveals average amount of small defects that the seller is unwilling to repairRemoves chattels/fixtures from the premises that the buyer believed was included.        Is unable to clear up encumbrances or liens.   Seller did not own 100% of property as previously disclosed. Seller thought getting partner’s signatures were “no problem”   – but they were.  Seller leaves town without giving anyone Power of Attorney.  Seller delays the projected move-out-date.   The Appraiser:    The appraiser is not local and misunderstands the market.    No comparable sales available.   Appraiser delays (too busy, etc.)   Makes important mistakes on appraisal or brings in value too low.   The Home Inspector:   Overly picky with the condition of the property and ‘scares’ the buyer. Infuriates the seller by comments made.      Makes mistakes and misrepresents the property’s deficiencies or good points. The Realtor(s):     Delays access to property for inspection and appraisals.   Unfamiliar with their client’s financial position – do they have enough equity to sell, etc.  Does not get completed paperwork to the lender in time.  Inexperienced in this type of property transaction.  Takes unexpected time off during transaction and can’t be reached.     The Property:   County will not approve septic system or well.  Home was misrepresented as to size and condition.   Home is destroyed prior to closing. Home is uninsurable for homeowners insurance. Property incorrectly zoned. Portion of home sits on neighbours property. Unique home and comparable properties for appraisal difficulty to find.   The Lawyer: Fails to obtain information from beneficiaries, lien holders,title companies, insurance companies, or lenders title companies, insurance companies, or lenders manner.Lets principals leave town without getting all necessary signatures.Incorrect at interpreting or assuming aspects of the transaction and then passing these items on to all parties such as lenders, buyers & sellers.Loses paperwork.       Incorrectly prepares paperwork. Does not pass on valuable information fast enough. Does not coordinate well so that many items can be done simultaneously. Does not bend the rules on small problems.                                       Does not find liens or any title problems until last minute.  Lender does not properly pre-qualify the borrower. Please remember- This is my opinion and these examples are just that- "examples". My experience and knowlegde will be invaluable in any situation as outlined- as I always say- there's more to it than rate!