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.

After his first wife’s passing, our borrower was happy to find love again. With a new beginning on life, our clients were looking to purchase a new home. After finding their dream home, the sellers revealed they needed a fast closing. With our dedication, we were able to close their loan all within two weeks! Now, they’re living happily ever after in their dream home and are looking forward to getting married next year.

As first-time homebuyers, my clients didn’t know much about the loan products available to them for financing. Being new to the home buying process, my clients didn’t know about our Home On Time® hybrid eClose, which allows borrowers¬ the ability to eSign some of their closing documents remotely. Walking them through the process, I explained how they should apply through our Home On Time® App—filling out the application and uploading their documentation. They received automated notifications letting them know when to sign their disclosures and complete necessary tasks. With our App, the clients were complete naturals and amazed at how easy it was. On the day of their closing, I called to wish them good luck signing, and they informed me they’d already completed it! With most of their documents eSigned, they only needed to close with the notary, which took 7 minutes! I was thrilled to learn they had no questions or problems—eSigning is easy, fast, and reliable for clients. With our hybrid eClose option, we were ahead of schedule to land my clients their funding, and they couldn’t be more excited to walk through the door to their new home.

Clients need to feel they can trust their Loan Advisor to help them with the most important financial decision in their lives, especially with all the required sensitive information. As a single first-time homebuyer, a recent client didn’t know where to turn for financing. Her friend, who also works in our LendUS family, and her husband, who was the client’s realtor, recommended one of our Loan Advisors. Considering our Loan Advisor came so well recommended, the client instantly felt a sense of assurance since the trust was already built into the professional relationship. Working in the insurance industry, this client was nervous about making sure all the paperwork and details were squared away. During the process she appreciated that our Loan Advisor was communicative, professional, and provided guidance every step of the way. Our team gained the client’s lifelong trust, respect, and gratitude while working to close her home. Due to her amazing experience with the Loan Advisor, she now refers everyone to him and his team.

If you’ve ever fallen in love with a home, it is hard not to fight for it—this was the case recently for one of our Loan Advisors. His clients, who are self-employed and own several properties, decided to make Florida their new primary residence when they fell in love with a $1.5 million home. While working on his clients’ new loan, our Loan Advisor came across some false late payments with their current mortgage company. Instead of leaving his clients to handle the problem on their own, our Loan Advisor assisted in correcting the mistake. By working with both sets of realtors, our Loan Advisor was able to extend the deal and allow his clients to close on their new home. While other Loan Advisors might have given up, our Loan Advisor persevered. Due to his dedication, the clients were able to step into their new dream home worry-free.

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.

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