Denver Home Living Huettner Capital Fall 2018 | Page 2

I TURNING THE MORTGAGE PROCESS UPSIDE DOWN am not your typical mortgage guy. I believe there is a bet- ter way to do most things and I love showing people how they can do things differently to improve their lives. It is the reason I created my own loan process and then started my own mortgage company over a decade ago. 2. Rather than guessing if people qualify, I review their financial documents, complete the application, and pre-underwrite each loan so I can show clients exactly what they can and cannot do and exactly what documentation they need to do it. 3. Finally, I show my clients how to structure their loan for their financial situation, create their rate lock plan, understand the risks of each decision, and evaluate all of their options. I also warn them of any loan guideline changes that may affect them and encourage them to seek other professionals when needed. The traditional mortgage process is broken and fails borrowers in several ways: 1. Rigid Application Process – A client recently thanked me for actually taking time to speak to her because her other lender said he could not do anything, even talk to her, until she completed their application and paid for them to pull her credit. The best part of my upside-down approach is that I typically only need a few final items to be ready for closing after the initial process. The result is a comprehensive yet simplified loan process you can trust. 2. No Document Review – Without a complete review of your financial documents, any pre-qualification/pre- approval is just a big guess where far too many problems arise late in the game. People who obviously cannot qualify for a loan are initially told they can while others are told they cannot get a loan when they really can. WHO SAYS SECURING A LOAN IS A LONG, COMPLICATED PROCESS? 3. Lack of Professional Advice – Most borrowers need support beyond the loan application and documentation process, yet most loan officers do not have the knowledge or experience to provide it. Borrowers need help structuring their loan, planning their rate lock, evaluating different types of risk, comparing opportunity cost, and monitoring loan rule changes. I specialize in making complex financing quick and easy at the same or lower cost than most traditional banks. Based on my experience as a consultant, financial analyst, and former real estate agent, I create a financing plan that identifies and resolves each problem unique to your situation up front so you can close as planned. Contact me and I will show you that there is simply a better way. The result is a lot of wasted time and money as well as embarrassment and overwhelming frustration. QUESTIONS ABOUT YOUR SITUATION? CONTACT US AT: To solve these problems, I turned the process upside down. 303-758-7402 1. Instead of requiring a credit report and time-consuming loan application to speak to people, I start with a conversation to understand their financial situation and goals. HUETTNERCAPITAL.COM [email protected] 2