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.

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.

In Puerto Rico, the biggest challenge in homebuying is financing a loan since closings can often take 90 days. In 2020, when our client’s loan wasn’t closing on time, they felt forced to pay all-cash. The couple had recently decided to move from California to Puerto Rico with their three children. However, with their original lender, they faced paying all-cash to get their dream home, or they’d lose their earnest money deposit and have to start over. While they opted for the former, they went through an LLC, so the home wasn’t entirely theirs yet. Per a friend’s suggestion, our clients connected with one of our Loan Advisors, who stepped in to help them pay off the corporate partner, leaving the house solely in their name. Under a deadline to pay back the partner, our Loan Advisor quickly got to work. He and his team qualified them with the right loan product, jumped over local real estate law hurdles, and our United States-based underwriting team closed in 52 days. Now our Loan Advisor considers these borrowers a great success story but also a lasting friendship.

When looking to refinance their new home in South Carolina to take advantage of a lower rate, our clients turned to their realtor, who referred them to our Loan Advisor. The couple, an FBI agent and a registered nurse, had recently moved from California the previous year. After just two days of discussing their potential refinancing, one of the couple’s mother was looking to move out of her rental and buy a home after her husband’s passing. Since inventory was low, the couple found it difficult to find a home that checked everyone’s boxes, so they settled on purchasing a home in a nearby neighborhood for her. Due to their refinancing, our Loan Advisor was able to use much of the same paperwork for their second home loan. Even with the surprise investment property, the team finished both closings without delays. Now they are great friends with their Loan Advisor and even go golfing together.

As a single, self-employed woman living on a farm in a remote area of California, our borrower was starting to feel hopeless about refinancing her home and locking in a low rate after a previous lender couldn’t figure out her finances. When our Loan Advisor reached out to see if he could assist her, the borrower was skeptical initially but ended up applying after he convinced her he could help. But due to her self-employment, she didn’t have the traditional documents to prove her income. So, our Loan Advisor got to work combining her tax returns, profit and loss statements, bank deposits, and invoices to help her refinance. The borrower was extremely grateful our Loan Advisor took the time to compile the additional information and help her save more money in the long run.

A recent borrower had started a loan with another mortgage company, but the process wasn’t going well. Not only was their appraisal inspection date set after the closing date, but the seller was unwilling to accommodate any changes and threatened to accept a backup cash offer. The borrower was starting to feel overwhelmed and turned to their realtor for help. Luckily, their realtor suggested enlisting the help of a trusted Loan Advisor to see if she could save the deal. Our Loan Advisors take pride in creating lasting relationships with their realtor partners since they can benefit the community and help in a situation when you need someone you trust. This realtor-Loan Advisor relationship came in handy for this borrower, and they were able to get the financing just in time. They gathered the necessary documents, opened a file, submitted an appraisal, and closed in just 11 business days, all over the busy Fourth of July holiday weekend. Both the borrower and realtor were impressed with our Loan Advisor’s professionalism and her team’s willingness to take on the deal and save the day.

The market this past year has been a tough one for eager buyers. One of our borrowers felt the struggle when she and her Veteran husband were recently buying a new home. They had already sold their house and were under a 60-day leaseback, so time was ticking to find a new space. After a few of their offers were rejected, the pressure of their deadline felt even more severe. Because inventory was so low, despite not being 100% happy with the house, they went under contract anyway, and the borrowers figured they could make it work. Then, as luck would have it, two weeks into the financing process with our Loan Advisor, the house of their dreams was back on the market. The borrowers and the Loan Advisor acted fast by passing on their current contract and starting from scratch on a VA loan for their new home. They were able to close in just three weeks, and our Loan Advisor’s team went above and beyond to make it all happen smoothly. His borrowers were so grateful for the support and the help of his team that they promised only to use our services next time they need financing.

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