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.

We recently helped a referral client refinance their mortgage. Though it seemed like it would be a simple task, there were complications along the way that proved challenging. We went the extra mile and made sure to help them through the problems they were facing. The clients were very pleased with the refinancing services and smart strategies we employed to protect their privacy and make the process as smooth as possible. Not only did they feel the Loan Advisor was professional, knowledgeable, and friendly during the process, but they also appreciated their availability and willingness to help and be patient throughout the challenges. They even said they would recommend our mortgage services to family and friends because of these qualities!

My clients were looking for a vacation home in Truckee, CA with a limited budget but big dreams. After much searching and aligning budgets, we were able to help them lock-in with the perfect home. I came back to my office to find this note on my desk: "Where do we begin? Thank you so much for helping us to find a loan that fit our unique situation. Most lenders told us, "Impossible" and you made the impossible POSSIBLE. We're settling in, and very much enjoying it, thanks to you. And we're forever grateful for that."

Our Loan Advisor was referred to us by our Realtor for being highly reliable and good at what he does. We saw that was true soon after our first conversation with him. For having been first time homebuyers, we really lucked out with having such a skilled Loan Advisor being on our side. As soon as we went into contract he took the lead and ensured that we had everything that was required for meeting our deadlines. He amazingly met our shortened loan contingency deadline without any issues. We knew exactly where we were at in the process and always felt like we were his #1 priority.

We never imagined that the process would be as smooth and easy as it was, and we truly think it was because of who we worked with. Our Loan Advisor was very patient and extremely quick to respond to us, while always being professional, kind, and easy to talk to.

Buying a house can be hard. Buying a house from out of state can be even harder! I called my (now new) Loan Advisor some random day in March asking to get pre-approved for a house I was going to look at the next day. He was more than willing to help and got it done! Every curve ball I threw him, he hit out of the park. Any anxiety I had about the loan process, he walked me right through it and helped me feel at ease. He got me an incredibly low interest rate AND was able to get my loan approved in a super short amount of time.

We’re here in Florida for the Military Makeover show and a Win came up for us recently. We had a disabled Veteran contact us recently through one of our Financial Advisors – he brought up that the gentleman was looking for $300,000 due to a financial situation that had come up for him. The Advisor had been recommending a HELOC but fortunately they got the Veteran connected to us and we were able to talk to them about VA financing. We let him know that he and his wife could do a 2.375% interest rate, we could pay all of their closing costs and they could get the $300,000 cash out that they needed. We were able to get that deal closed in about 21-25 days, the Veteran was super happy and promised to refer any friends, family or any other Veterans that he knows back to us.

I first talked with my clients back in June. They were living with their in-laws and had no credit which limited them in making a home purchase. I advised them on how to build a credit profile and four months later they we were able to obtain a credit score, which then enabled them to start looking at homes! Since they were short of funds, I explained FHA financing as a great first-time home-buyer option, and also recommended an offer on the home in which the seller would pay the closing costs, helping them further. With an offer accepted and a closing date in December, our clients will have a very special holiday in their very own home.

My client had tried to refinance numerous times and her loan was rejected by 5 other lenders. When we looked at her income as a self employed tax accountant, her debt to income was over 75%. Our company is known for solving difficult problems when other lenders have turned people away and we did just that. In this case we switched her loan due to her low income and combined a few other resources to get her debt to income ratio down to 49.879%. We researched every possible solution to solve this one!!! When all was said and done, we saved her $3170/mo.

Most recently, I reached out to my client of over 15yrs. who was despondent! She had accumulated a lot of credit cards and her ARM had been reset. Her and her husband make a decent living but close to half of their monthly payments are going to their credit cards and a 1st & 2nd mortgage on their home. We took that amount down by 1/3 by helping her refinance. The most important lesson I took from it was that there are a lot of borrowers out there who simply pay their bills and don’t even consider refinancing because its too overwhelming. As a Loan Advisor, I realized that we have to reach out to provide education as we truly make a difference in our client’s lives.

We had a client close this week who was a woman in her mid-50s with a daughter who was disabled. Our client hadn’t purchased a home previously and we were able to connect her with a special government grant. Soon after, she brought us the rendering to her new home which was so impactful to see and share. Moments like this take the numbers off of the page and humanizes the process. It reminds us why it is we do what we do. We help people achieve a lifelong goal of homeownership.

I was in the process of refinancing a loan for a young woman who had come upon especially hard times. She had a disability that forced her into a fixed income, her aging father was struggling with cancer and within the next few years she would be losing child-support that contributed to her household income.

After crunching some numbers, I found that she would be saving almost $350 per month by refinancing. This young woman’s father then confided in me that he was proud of her but worried about her home when he wasn’t around, so we helped put together a gift from him for $50,000 to buydown her loan further. His 16 year old granddaughter has a 4.6 GPA, and he expressed how proud he was of her too.

Needless to say when his daughter found out what her father did she was beyond words and in tears. Her dad was happy that he could do something now and know she was OK when he left this world. Something all parents hope for. This is the kind of thing that makes me proud to be doing what I do.

Being a first-time home buyer at 22 years old and working about 65hrs a week, I was SO flustered going into the home buying process. After all the stories I’ve heard from my peers about their first-time buying a home, I was so relieved to work with the most amazing Loan Advisor. She honestly made this whole situation so much easier for me than I could have imagined. She was incredibly helpful with every concern and question I had throughout the entire process, and was extremely knowledgeable about every aspect.

I hope that I don’t have to buy another home anytime soon, but I can whole-heartedly say if I ever do, I know exactly who to call!!! Huge shoutout to my Loan Advisor and her company. I appreciate all of the help that was provided to me.

Our Loan Advisor was consistently approachable. He was ready to listen to what we had to say and his feedback was very promising. He was on our side the whole time and we never felt like he was trying to sell his service, he was just trying to help us buy a house. Through it all, he worked around the clock to get the job done and he made a complicated process, easy.

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