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Home > Financial Services > Mortgage Brokers > Hart West Financial Inc.
Hart West Financial Inc.
A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
They assist you through six basic steps in procuring a loan for buying a house or renovation of your home. The six steps are; Getting your documents organized, convincing the loan company that you qualify for the loan, explains the best loan plans from various companies available within your budget, applies for the loan, obtains approval for the loan, and assists in closing the loan.
They do not employ commissioned loan officers, and they do not have the many layers of management of larger companies. They take their low overhead and pass that savings on to you. These are two good reasons why their rates and fees are less expensive. Another and perhaps the biggest reason is that over 85 percent of their business comes from referrals and repeat customers. They do not have to pay thousands of dollars that many companies spend on advertising. They have been on the internet since 1997 and during that time they have seen many companies come and go. And yet they are still here. Their posted rates are the same on all the web sites in which they participate. They try and give you all the facts up front so you can make an intelligent decision.
They specialize in serving Arizona, Colorado, Michigan, Minnesota, New Mexico, Oregon, Utah, Washington, and Wyoming borrowers. They urge you to compare their rates and fees to others. There are no origination fees, and no processing fees. Their most popular option is their no origination, no discount points loan.
The Company has gained a fair deal of faith from their customers and continues to serve the community with a level of quality few in the industry can match.
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