Client Wins

Every week we share stories about homebuyers and homeowners who are achieving their goals with RPM as their partner. Click below to read more.

One of our borrowers recently went through a challenging divorce which involved a lengthy custody battle. Though he was able to win custody of his son, our borrower still needed a new place for them to start fresh. As he was self-employed, our borrower turned to his neighbor and friend, who happens to be one of our Loan Advisors, for help with buying a new home. Due to the borrower’s great credit and closing funds, the team only had to use one year of his tax returns to complete his loan process. Now our borrower is happily spending time with his son watching their dog play on their new front lawn.

A recent borrower was having a difficult time communicating with his Realtor and buying the family a new dream home was turning into a nightmare. When they didn’t see eye-to-eye, the borrower turned to our Loan Advisor who was able to bridge the gap with encouragement and caring support for both the borrower and the Realtor. With our Loan Advisor’s pleasant demeanor, expert knowledge, and willingness to be accessible outside regular business hours, our borrower successfully completed the home buying process and the thrilled family moved into their new home.

One of our Loan Advisors recently met a passionate art teacher at the check-out line at Home Depot. They started talking about remodeling their homes, and she mentioned she needed to refinance her investment property’s home mortgage but was dreading the process due to a previous bad experience with another lender. Our Loan Advisor offered his services and promised a better experience than the last time. Because the borrower wasn’t as internet savvy, our Loan Advisor met with her four separate times to get all the proper documents in hand. He made sure to alert her of any changes and what needed to be done for a successful refinance. She appreciated his guidance and perseverance so much that she introduced him to her daughter, who also wanted to refinance her home.

The current COVID-19 pandemic has made the housing market a challenging place for people trying to buy homes. With bidding wars and all-cash offers, for some, it can be hard to compete. A recent borrower was finding it challenging to relocate back home to her native state of Ohio and turned to us when she needed some help navigating the turbulent market. Our Loan Advisor provided her with the tools she needed to bid on and finance her dream home. She appreciated our Loan Advisor and his team’s encouragement throughout the process, which kept her from feeling hopeless during her home search. Now, she’s happy to be living back in her home state and can’t wait to host her friends and family.

Communication is essential to making sure our borrowers feel connected throughout their loan application process and stay up-to-date on any changes in the market. Our Loan Advisors pride themselves on being available at any hour of the day to chat with borrowers. A recent borrower was so impressed with our Loan Advisor’s willingness to keep her informed. She was thrilled about his years of experience in the mortgage industry and appreciated how he would let her know about fluctuating interest rates. She also found his team to be extremely helpful and would highly recommend family and friends to use our Loan Advisor and his team.

Refinancing your mortgage provides you with a second chance to save more money on your home loan. One of our married couple borrowers wanted to work with a reputable company in order to receive the best loan product possible, so they reached out to one of our Loan Advisors. From the moment they met, our clients felt like they made the right choice. They appreciated that everyone on the team was patient, helpful, and professional. Plus, they were thrilled to take advantage of our Home on Time App to submit their documents entirely online and closed in exactly 45 days as promised. The quick turn time, plus the accurate estimates for fees and numbers, gave our borrowers the sense of security they’d been longing to have.

Whether you are a seasoned pro or a first-time novice, it’s always a big decision to buy a home and it could cause some unexpected stress. One of our recent borrowers was apprehensive about starting the homebuying process. With the housing market leaving many buyers in a bidding war, the anticipation of our clients’ search was overwhelming them. Once they called our Loan Advisor, their negative feelings started to dissipate. After the Loan Advisor explained their many loan options, our borrowers began to feel their worries slipping away. They felt like they now had a clearer idea of what they needed which was sorely lacking prior to meeting. During each step of the process, whether they had a question or concern, our Loan Advisor was responsive and provided our borrowers with a worry-free environment so they could make a clear decision. In the end they were able to make the best informed decision possible and were so grateful for the help of their Loan Advisor.

As a self-employed Realtor, our client was very familiar with our Loan Advisor and the home financing process. Having recommended clients to us over the years, it was a no-brainer who our client wanted to handle her family finances when she decided to buy a new home for herself, her police officer husband, and their children in a new area. Even though they were only moving one county over, it doesn’t make the moving transition any easier to deal with. Luckily, since the client knew and trusted our Loan Advisor, the loan process went smoothly. The clients were so grateful for the help they received; it has created a new appreciation for the Realtor-Loan Advisor partnership they had already established.

With so many daunting new things to learn and understand for first-time homebuyers, the loan process can be overwhelming for some. From appraisals and underwriting to navigating the housing market, there are plenty of factors to be confused by. But having a knowledgeable Realtor and Loan Advisor to guide buyers is critical to a successful sale. After turning to us for help, one first-time client recently discovered just how important it was to have our assistance when she was buying her home. While feeling completely defeated, our Loan Advisor stepped in to guide her through the process. He was available every hour of the day to answer her questions and give her direct, honest answers to inform her of all her options. In the end, she was comfortable in knowing she had the knowledge to bid on the house she wanted and felt that her Loan Advisor was an invaluable part of that process.

There are many steps between finding your dream home and finally stepping through the front door. One such requirement is getting a home appraisal. Recently, a client’s home loan halted at this step due to many factors. Mainly, their original appraiser got injured and was admitted to the hospital. However, he neglected to tell anyone about his situation until after the appraisals’ due date. It was then reassigned to another person. To make up for lost time, the underwriter asked for all the other documents while she waited for the receipt of the appraisal. While that was processing, she reviewed everything and prepped to clear the loan for closing once the final paperwork arrived. Thankfully, with the help of another team member, the loan was closed the day after the appraisal came through. Without teamwork, focus, and communication, this loan would’ve been at risk of the sellers pulling out of the deal.

Our recent borrowers had to change lenders twice in 48 hours due to poor communication. As first-time homebuyers, the married couple was looking for a VA loan, and they weren’t sure what to expect. Their Realtor reached out to our Loan Advisor on a Saturday to see if he could help. The borrowers had no clue what stage their loan application was in with their original lender, and the lender wasn’t responding to their phone calls. To their surprise, our Loan Advisor took their application that day. After providing all the proper documentation, he let the borrowers know they could reach him at any time with their questions. Once they switched to work with us, the borrowers felt secure and at ease during the pre-approval process and were shocked that it took only a few hours. With our Loan Advisor’s entire team they worked tirelessly to send their file through underwriting. They were also given an option to close on their home earlier than they expected. Happily, the borrowers moved into their new home after a not so pleasant start. We were able to turn it around and they promised to work with us again in the future!

After going through lender after lender, our borrower was at her wit's end. No one seemed to really understand her self-employment income and were unwilling to help secure her a home loan. Her Realtor referred her to our Loan Advisor to see if he could pre-qualify her. He was able to take her application over the phone, and from there, he explained what the next steps would be as he felt she could obtain loan approval. Our Loan Advisor evaluated the borrower’s complicated self-employment documents and worked to ensure she had the strongest buying power possible. The client felt like our Loan Advisor was very responsive and easy to reach throughout the whole process. When the house went under contract, she was thrilled to close in just 21 days. With our Loan Advisor’s willingness to understand and work with her unique financial situation, our borrower finally felt at ease during her homebuying process.

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