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Foss & Associates

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.

Since 1984 Foss & Associates has been working to make the loan process easier for their clients. Today they are working harder than ever to make your transaction as smooth and simple as it can possibly be. Foss & Associates is on the cutting edge of their industry. They are using the latest technologies to keep far ahead of the competition. This translates into valuable savings for their client’s time because they are able to close loans faster, saving money, because they have the technology to find the lowest rates.

At Foss & Associates they are pride their selves in their exceptional customer service. The Company does the best to educate their clients so they can make informed decisions about their financial future. They realize that the choices made during the loan process can have a profound financial impact. They help their clients understand the ramifications of these decisions.

The Company performs a computerized loan search to ensure that their clients are getting the best rates available. They save their clients time by employing a computerized underwriting system. With this system they can pull credit, submit the loan file via modem and receive an underwriting decision all within minutes. This takes the guesswork out of loan processing. The underwriting decision tells them exactly what documentation they will need to close the loan.

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