Who am I and why should you work with me?
I am a small business owner and not a big lender pretender. I am your local mortgage broker with over 21 years of hands-on experience originating, managing, and training mortgage professionals. I oversee and run a small mortgage brokerage firm that focuses on ensuring that my clients get some of the lowest mortgage rates in Florida. Offering you exceptional service is essential for me to stay in business for the long-term. Hence, I consider it a necessity to work around my clients' schedule and not keep bankers' hours. I believe that my business is all about how much money I can save my clients in the short term by offering low closing-cost options. And for the long term, by offering extremely competitive mortgage rates that are typically at least 1% lower than most of my competition.
How can I assure you that I have some of the lowest mortgage rates in Florida?
The answer is quite simple. When it comes to mortgage rates, the driving force is the cost of acquisition. The larger entities, such as a commercial bank or a mortgage lender, have much higher overhead expenses. Thus, these entities have a higher cost of acquisition and hence a higher cost of a mortgage loan that is passed on to you, the borrower. It is not that the commercial banks or mortgage lenders are out to get you. They must offer a higher rate to offset the higher overhead costs incurred in originating the mortgage loans. Smaller, independent mortgage brokers like my business get wholesale rates because we keep our overhead costs as low as feasibly possible. Hence, Mortgage Expert can undercut most commercial banks and mortgage lenders and we pass the savings on to you. That being said, not all of the small, independent mortgage brokers maintain lower rates. Some independent mortgage brokers still keep the rates high because it is more profitable for them to do so. Alternatively, Mortgage Expert has always lived by the business model that I established:
Stay small and lean, keep mortgage acquisition costs down, and offer the lowest possible mortgage rates on the market. The savings will always be passed on to you as you purchase your property or refinance your home. In return, my clients will hopefully appreciate the savings and bless me by referring their family and friends to Mortgage Expert for all of their mortgage needs.