I believe strongly that your loan officer should be as much a team member for planning your long term finances, as someone who just does a loan. Quite simply, I do what is best for my clients.
Get to know Simon Smart
I believe in doing loans right. At Sunstreet we are a mortgage banker, so everything is done in-house - that means the loan file is never more than 30 feet from my desk, giving me total control of the loan throughout the process, and the ability to close in as little as 8 days. Some files will take a little longer, but not much. In a market where brokers and large banks are taking 60 or more days to fund a loan, and are sending files to different states for underwriting, that is a big difference.
I believe that customers need a reason to trust those of us in the financial sector again, and it is up to us to look after our clients with a level of integrity which earns this trust. And not just to use the word, but to actually mean it and live it. We are still in a difficult economy, and loan officers have a responsibility to help borrowers get into loan programs which work for them and their families. Doing it the wrong way hurts everyone, including the loan officer in the long term.
That's why I make sure that things are done right, and listen to what the borrower needs, including their long term plans. If there is something I don't know, I find out the answer, and if I make a mistake (I'm human and it happens), I do everything I can to fix it.
Outside of loans I am a husband, a keen motorcyclist, a 12 year student of Japanese martial arts (Bujinkan Budo Taijutsu under Hatsumi Maasaki) and a Crisis Intervention Volunteer with the Pima County Attorney's Victim Witness Program. We are either on call or with a mobile unit responding to police request when a victim of crime is in immediate crisis.
Simon Smart's Blog Posts
I can provide FHA, VA, USDA, conventional and various other loan programs, in all 50 states. If you have either a purchase or refinance transaction, I will work hard to smoothly take you through the process. I am also happy to talk to members of the community who would like to know more about what their options are, either now or in the future.
I am also an advocate of the FHA 203(k) Rehabilitation Loan, which can provide buyers with funds to do repairs and improvements to the home when they buy it. Most lenders shy away from these as they can be more work, but I believe that with the current situation in our market, that these loans can be very useful to homeowners. Ask me for more details on how we can use this program to get damaged foreclosures fixed up and off the market.