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.

With their dream home on the line, recent borrowers were looking to secure their funding – luckily, our Loan Advisor and his team were able to step up and help them close the deal. To make the process flow seamlessly, the Loan Advisor worked with his team to ensure everyone was on the same page from the beginning. The team also connected with the borrowers to make them feel comfortable and part of each step in the development. The clients were so appreciative of the team and the Loan Advisor’s depth of knowledge, patience, and cooperation, they felt they knew exactly what they were doing in the end. The borrowers said they would use our Loan Advisor and his team again in the future when they decide to refinance and recommend their services to friends and family.

As a first-time homebuyer, the real estate market can feel like a never-ending labyrinth full of twists and turns. Our Loan Advisors want to help make the process of homebuying feel like a walk in the park. Recently, a first-time home buyer Army Veteran was finding it tough to get his offer accepted for a home. Not only was the market low on inventory, so there was a lot of competition for homes, but he was also using a VA loan which many people have misconceptions about. Luckily, our Loan Advisor was able to step in and educate the agents and sellers about VA loans and help this Veteran navigate the turbulent market. In the end, the client was able to secure the home he wanted for zero money down with funds to spare for home improvements. The client truly appreciated the Loan Advisor’s support and education on the financing process.

Obtaining a mortgage is no small feat, let alone when one of the co-borrowers is in another country during the whole process. Recently, one of our Loan Advisors was in this exact situation with a client. The client was closing on a home with his wife, the co-borrower, who was in Norway. International borders weren't the only obstacles to overcome either. The stateside client was also self-employed and already owned a second home with another family member, his father. With all these hoops to jump through, the Loan Advisor and his team had to think of creative strategies, like organizing international notarization of loan processing paperwork, to help their clients get their mortgage. In the end, the clients were able to get their new home, and were genuinely thankful their Loan Advisor went the extra mile to make it all possible.

One of our Loan Officers recently was able to help their clients close on their new home in practically record time. The family was closing on a 1750 square foot home and needed to get it appraised. Last autumn, they had to fight with the appraiser to get an accurate assessment. Due to the pandemic, their appraisal was surprisingly different this time and was finalized in less than seven business days. The real estate agent was shocked and impressed by how fast our Loan Officer was able to move the process along so quickly. The client was so thrilled by our Loan Officer's preparedness, hard work, and dedication. Both the client and the real estate agent said they would recommend our Loan Officer to friends, family, and prospective clients.

Our Loan Officers take great care when it comes to their clients. They want to be available and responsive for any questions, queries, and complications that come along the way. This week's Loan Officer provided these services and had an equally responsive client, so the loan process flew by like a breeze. The swift communications from both parties combined with the insights the Loan Officer gave the client made this application process run like clockwork. Because the client came to the Loan Officer with intelligent questions, the duo quickly discussed different options and picked the one that made sense. The client was also thrilled to be using the online system, which made the mortgage process the easiest she has ever experienced. She is very grateful her friend recommended she contact our Loan Officer when looking for a home mortgage.

A family was facing substantial financial challenges when a family member, who had used our services before, referred them to one of our Loan Officers. The new clients owned a business that went under during the Great Recession. Since then, they were in significant debt with the IRS to the point where they were living paycheck to paycheck without any savings and a mid 500s credit score. Thankfully, their home had built up some equity, and the clients had stable jobs. In mid-2019, our Loan Officer reached out to local brokers to find options for this family and was only met with bad news. However, this Loan Officer didn't give up and helped the clients create a game plan so that in a year, they could look for more again. A few weeks later, the Loan Officer received an email about a temporary option, one that would help the clients pay off their IRS debts, mortgage, and other outstanding payments while thinking about refinancing. Despite all the financial hardships, including those inflicted from the pandemic, in 2020, the clients were able to refinance into a conventional 30 year fixed loan at 3% and close in less than 45 days. The clients were so thankful for the Loan Officer's dedication and felt immense relief that their financial stress was gone. They said their lives were changed for the better thanks to the help of this Loan Officer.

Buying a second home can sometimes be a completely different process than a primary residence. A client located in Washington was looking to purchase a second home and was referred to RPM Mortgage by her real estate agent. Sadly, after working together for several months, the pandemic changed their plans altogether. However, the Loan Officer stuck by them when they decided to refinance their current home. The process took nine months, and it all paid off. The client was over the moon about the service they received from the team. Not only were they responding to the client's questions promptly but also making themselves available for discussions about different options. When the market improves in the future, the client still hopes to buy a second home and utilize RPM Mortgage again.

Ten days into the escrow period, a client came to our Loan Advisor seeking help because their longtime lender could not perform at the time. Since the borrower was self-employed and the time was slipping away, the team had to act fast. If the race against the clock wasn't enough pressure, they also had to secure two appraisals and jump through multiple hurdles to make this all work. Thankfully, with the help of others, this team of four was able to patiently and professionally collaborate and get the job done in record time.

We all are facing issues during the pandemic, but none so much as this traveling nurse who has been working tirelessly on the front lines. At the same time, she was getting denied a loan by lender after lender because of her job. Our Loan Advisor wouldn't stand for it and went the extra mile to make the loan work for this hero. The client was so happy with the seamless process that she told other traveling nurses about the Loan Advisor's efforts. This led to another client coming to us but for a home in Texas. Because the original Loan Advisor isn't licensed in that state, she made sure to pass the person on to another Loan Advisor licensed in that state that would also go above and beyond to help their client.

One of our Senior Loan Advisors helped an elderly client save thousands by getting him out of an Option Adjustable-Rate Mortgage (ARM) that was going to adjust. By refinancing the mortgage and switching out of an option ARM meant he could get a fixed product and save himself the headache of planning retirement and other expenses with a variable product. Now the client can rest easy and prepare better for his future thanks to his knowledgeable Loan Advisor.

One of our South East region Loan Advisors helped get a family out of their 745 sq ft condo by securing a loan on a much larger forever home in the early weeks of 2021. The clients appreciated how available, knowledgeable, able to explain concepts, and encouraging their Loan Advisor was throughout the process. Now their payments for their new larger home are less than they were for their small condo. The clients were so pleased with their loan closing experience and their Loan Advisor going above and beyond the call of duty that they would recommend him to all their friends and family.

Our team had clients who were competing against multiple offers in a competitive market recently. Securing the home was made even more challenging since the clients were leaving the country around the same time the house was supposed to close. We were determined to shorten the escrow window so they could close before they left. To make this work, we used the Home On Time App to send documents securely and swiftly. They appreciated the transparent, polite communication upfront about the fees, timeline, and process. Not only were they thankful for our team being available all hours for any questions or needs, but they valued the professionalism and dedication of the team for making this approval process easier than anticipated, thanks to the mobile loan app.

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