Every week we share stories about homebuyers and homeowners who are achieving their goals with RPM as their partner. Click below to read more.
You were our second opinion, but became our first choice.
A couple expecting their first child was working with another lender, but receiving lack luster service. Feeling their best interests were not being met, they were referred to us for a second opinion. We looked at their complete financial profile and found multiple options that would work with their budget. We showed them how we could offer a rate lower than the other lender, require 5% less down, and suggested a flexible mortgage insurance option that would result in a lower monthly payment. Beyond the savings, they were thrilled with our customer service and chose to work with us over the other lender. We had barely finished closing on their new home when they contacted us about a future transaction.
Your reputation of getting the job done quickly helped my offer get accepted even though it wasn't the highest.
After searching for more than a year in a highly competitive housing market, our client was becoming discouraged. She’d lost out on many homes and was once again placing an offer on a property that had multiple bidders. But this time, the listing agent was familiar with us. We had just worked together on another of her listings that had a 19 day transaction that went smoothly. Our client’s offer wasn’t the highest, but we committed to an 18 day close that the agent knew we could get done. Our reputation won the deal and our client’s offer was accepted. Eighteen days later, her long search had come to an end and her persistence (and ours) was rewarded.
After being told 'no' so many times, it was refreshing to find a lender who could make my home purchase happen.
A potential buyer came to us with high hopes after several lenders had turned him away. Upon reviewing his information, we discovered he had complex income that included stock sales and capital gains. We told him we’d dig deeper than the other lenders, and would be able to use his supplemental income to help qualify him for a good loan without any issue. Since he was a newer resident to the country, we also coached him on how to raise his credit score, which helped him qualify for a rate and loan program that worked best for his monthly budget.
I was under contract and on the verge of losing the home when you stepped in, figured out my complicated income and saved the deal.
A self-employed borrower and his wife were already in contract on a home, but ran into a roadblock when their lender couldn’t properly calculate their income. The client owned multiple companies in different countries, including one that was in the process of being sold. He also had retirement income and a stack of tax returns that was thick and cumbersome. Under pressure from the sellers, the clients were referred to us by their Realtor and we met to discuss their situation. We told them we could get the loan done, but needed all documents upfront. Then we worked directly with their accountant to analyze their taxes and income. We were able to quickly submit their file for approval, get the loan funded and win over the confidence of the Realtor and our clients.
We worked with you from across the country and always felt informed, updated and well-taken cared of.
On an autumn vacation to the lake, a couple fell in love with a waterfront home and put in an offer. But they went home disappointed when the sellers turned it down. Months later, in early December, we called our clients with good news – the sellers would accept the offer if we guaranteed to close by the end of the year. Thousands of miles away and with only three weeks to go, our clients uploaded their financials and signed documents electronically using our Home On Time® App, and we got started on their loan. Meanwhile, we were told the home required a new septic system, which needed to be installed before closing. Determined, we got the installer to commit to our timeline so we could ensure there would be no delays. After consistent follow up, we received the completed septic cert the morning of closing and by the end of the day, our clients were the new owners of a piece of waterfront paradise.
Our complicated self-employment and rental income was no challenge for you.
Buyers came to us with income from multiple rental properties and three separate businesses that they share with various partners. They had already found a short sale listing that they couldn’t pass up and had made an offer with a set closing date. So we had to prep their file quickly. Once we began reviewing all of their tax and income information, we noticed there were errors on their returns. With their debt ratios close to max, it was vital that we use every bit of applicable income for them to be able to qualify for the loan. We worked with the IRS to amend their returns and stayed on track for nothing short of a smooth sale.
Disappointed by a big bank, we were living in a hotel until you found a solution to help us buy a condo.
After selling their home and while in process of purchasing another, two clients were temporarily living out of a cramped hotel room with their dogs when they ran into a snag with their lender. They were told they would be unable to receive traditional financing for their condo because it was a unique, detached, standalone unit. The lender was only able to offer a high-interest portfolio loan, but the buyers didn’t want a large monthly payment. So, they decided to look for help elsewhere and found us. We reviewed the property and told them we could offer conventional financing with a more competitive rate and a faster closing. After we gathered their docs, they were able to pack up from their hotel and move into their new home within 20 days.
After being denied by another lender 10 days prior to close, you saved our loan and sanity.
Already in contract and with only 10 days left to go, new buyers were in shock when the lender they were working with denied their application. Frightened they’d lose their prospective home, they searched online for a reputable lender and came across our many 5 star reviews. When we met, we learned they own a 10-unit apartment complex and had recently made renovations and upgrades that allowed them to increase their rental rates. But because the other lender would only consider rental income from their 2016 tax returns, they couldn’t qualify. We knew that the solution was documentation. After obtaining lease agreements for the updated units and providing a thorough explanation for our underwriter, we got them approved and closed in three weeks. And now, we have one more 5 star review on Yelp!
I've worked in the mortgage industry for forty years and know outstanding service and speed when I see it. You have it. Plus, you saved me money on my cash-out refi.
A mortgage veteran came to us looking to refinance and take cash out for much needed home improvements. She had a 30 day deadline and was concerned that a spike in her loan amount would increase her monthly payments. We eased her fears by having her use our Home On Time® App and submit everything we needed for loan approval in one sitting. Then, she took off on a carefree vacation while we went to work. We were able to have her file fully underwritten upon submission, allowing us to close in less than 20 days. Plus, we got her $100k in cash and a lower rate that actually saved her a few dollars on her monthly payments. She came home happy and ready to start work on her home.
You helped us formulate a plan for our growing family. So when it came time to choose our lender, we were committed to you because you were committed to us.
A couple was expecting their first child and looking to buy a home that offered more space and comfort. They met with us after receiving a glowing recommendation from their Realtor, and we offered our advice on selling their current home and purchasing a new one. They decided their most stress-free option was to purchase a new construction home that wouldn’t be finished for another five months. This gave them plenty of time to welcome their new baby and settle into parenthood before needing to move. Once it came time for loan approval, the buyers were encouraged to use the builder’s preferred lender. But, appreciating the work we had done with them months before, they wanted to stick with us. We got them approved and into their new home so they could begin the next chapter for their family.
You stuck with us for months while we worked to improve our credit and then helped us buy in the nick of time.
Two new clients wanted to sell their current home and buy a larger one, but needed to improve their credit scores before they’d be able to get formally approved. Once they were ready, they put their home on the market and received an offer two days later with a request for a quick closing. With just three weeks until their move-out date, they put an offer on a new home and we began working on their approval. Everything went like clockwork until the appraisal came back $5,000 short of list price. We worked with the Realtors and sellers to negotiate a closing cost credit for our clients and everyone was able to move into their new homes by Christmas.
When another lender wouldn't honor my pre-qualification two days before the deadline, you came through and ensured I didn't lose out on my first home.
A first time buyer had received a pre-qualification letter by a trusted lender who had done business with her family for years. But after getting into contract, the lender told her that she couldn’t actually qualify for the loan unless she paid off debt and put more money down. Already tight on cash and not wanting to lose her initial earnest money deposit, she needed a solution. It was two days until the financing approval deadline and less than a month until closing, when a co-worker encouraged her to call us. We quickly assessed the situation and assured her, and her Realtor, that we would get the job done. We pre-approved her for a 3.5% down FHA loan, but needed to move fast to find a way to document gifted funds from her boyfriend’s parents. We got what we needed, submitted the loan and documentation, and were able to close within a week of her initial closing date. Both parties were happy the deal was saved, and the borrower was grateful we stepped in to keep her dream of homeownership alive.