Trust is crucial when making a big transaction, and a home is the single largest item most of us will ever own.

Unfortunately, in previous years many brokers and mortgage lenders where not ethical or trustworthy. Many homeowners were led to horrible loan programs with rates that readjust, teaser loans, or loans they should never have been led to accept.

Thankfully many have left this field to become car salespeople, and some even now deliver our morning newspapers! 

Here are the KEY two practices I consistently follow, in order to gain and preserve your trust:

•I'll go over what your monthly payments will be, and will never encourage you to get a loan if the payments seem to be more than you can afford now after a careful study, and review of all issues involved.

•I'll work with you to ensure you're not paying a higher rate and fees then necessary. All our fees are well within industry norms, and most of the time, much lower than what other banks or lenders are offering. Remember, bait and switch tactics are often used in print and media advertisements to lure borrowers in. (Click RATES for more details)

Ask me for the names and phone numbers of previous clients of mine. Chances are you've been referred to me, as 99% of my business is by referral!

My goal and business model for over 15 years has been assisting clients buy the home they want or refinance their current loan, and then continuing to be a financing resource to themselves, their friends, family, and co-workers.  I will help you qualify, apply and be approved for the right mortgage loan with more personal attention which means you enter a frustration-free zone from application to closing.

Be sure to read the About Us page for further bio, and check out Marc's Blog updated weekly by Sunday morning for the real deal on residential mortgage financing issues.

Scam/Spam Alert: Credit reporting agencies will put your name on a 'target list' within 24 hours or sooner after your credit report is pulled/ordered in connection with a mortgage. They will sell this list. They will whore this list. As a result you will receive phone calls and junk mail with offers of loans, insurance, etc. from a variety of unscreened vendors. These cold calls state they know you applied for a mortgage, and they can do better..cough cough! They pay off credit bureaus for private information about you. These are the folks that become mortgage brokers when rates are good, and newspaper sales are down! If you wish to avoid receiving this unwanted solicitation, either call 1-800-567-8688 or go to www.optoutprescreen.com and follow the instructions. It takes 5 business days to process your request to opt out. So, let us know the date you complete the request to opt-out.

Alternatively, you can also just show them the door, hang up or simply state you have a deadly disease that will carry over systematically in 4 minutes if they don't hang up.