What does a Mortgage Professional do and why use me?

 

Obtaining a mortgage is often a confusing task that can also lead to frustration. The reason for the confusion is due to the fact that mortgage financing is complex.  The good news is that this complexity provides consumers with options and choices best suited to fit their needs.

Everyone’s financial position is unique.  Some people have large cash reserves that can be used for down payments while others want to get into a home with little or no money down. Credit ratings vary from person to person. In addition, future plans vary.  Some people plan on staying in their home for the rest of their lives while others only plan on staying for a few years.

These facts alone make comparing your mortgage to your neighbor’s based on rate alone a flawed endeavor, yet many people attempt to do so. Admittedly, everyone wants a good deal.  Keep in mind that comparing rates is just one component of the entire mortgage.  Other variables include the term, down payment requirements, income qualifications, credit ratings, reserve requirements, current debt, prepaid points, and many more.

A mortgage professional is able to take all of these variables that are unique to each individual and help a person obtain the mortgage loan that works best for their situation.  The service they provide is time consuming and complex.  However, the rewards of dealing with a professional carry forward throughout a borrower’s life. Making wise financial decisions today helps to pave the way for a safe and secure future.

Reasons we should do business!

Why The Lending Company?

Why Me?

  • We are a full service Mortgage Banker.
  • I am a Licensed Loan Officer
  • We process AND underwrite in house which means faster turn times.
  • We fund in house = less delays.
  • Unlike other mortgage companies, there will never be any hidden fees and surprises at the settlement table.
  • I recognize that you have a choice in which mortgage company you work with and I work hard delivering a level of service that is unmatched.
  • I take the time to educate you about all your options to save you time and money.
  • I will keep you informed throughout the loan process.  You and your Realtor will never be left in the dark and will receive weekly updates and progress reports prior to closing.
  • The Lending Company has the ability to close loans in a very short time.  We have a broad range of loan programs through multiple lenders, giving you more options to achieve your goals and save you money.
  • We have the expertise to close many loans that are "outside the box."  Let us custom design a mortgage specific to your needs.
  • I listen!  I listen to you in order to find the right solution to your situation.  I also listen to your suggestions to improve as I survey all of my customers and ask for feedback on where I could improve and make the loan process easier.
  • I can back up my recommendations and advice with third party evidence.  It's one thing to give advice and share opinions, but how do you know the advice you are getting is sound.  I have an extensive library of third party articles and evidence to support my advice. 
  • I only work with dedicated professionals.  There are plenty of Realtors, Financial Planners, Attorneys, Insurance Professionals etc.  I ONLY work with professionals who demonstrate that they have the passion for being the best!  Anything else is not acceptable!  If you have a need, I probably know a dedicated professional who can help and would be happy to refer them to you.

 

So what are some of the things that people are saying about my level of service?

"You and your team did an outstanding job from start to finish.  You made a believer out of me and I'm looking forward to doing business with you in the future!"    L. Carter

"Mark and his team put 110% effort into my loan.  Mark has been my guide, my strength and my support mechanism.  He helped a very novice person through the process of obtaining a home loan!"    D. Ratcliff

"Things were not going very well with another mortgage lender, but Mark had no delay in getting us approved for our loan.  My real estate agent had not worked with Mark before, commented several times that Mark was a pleasure to work with and always on the ball.  Mark exceeded our expectations throughout the entire process!"    C. Donohoe

"Your combination of professionalism with attentiviness was exceeded only by your warm personality!  Although we like feeling special, I must say it really feels good knowing all your clients are treated this way!"    D. Scott

"Mark explained everything to me in easy to understand terminology!  The good faith estimate was so good, there were no junk fees and I got an extremely good surprise at closing paying much less than what was estimated!  The whole process from my first meeting with Mark to closing was completely stress free!"  J. McCaleb 

"Mark makes us feel comfortable and at ease throughout the loan process.  He has quality customer service skills, follows up, and is very knowledgable.  Mark is top notch and we couldn't be more satisfied with his level of service!"  F. Vandevender

I could call Mark any time I had questions and he would go into depth about everything and I loved that because this was my first home!  D. Goettl

The whole process was smooth and Mark was on the ball through the whole thing from start to finish!  M. Johnson

Mark was extremely helpful!  He was always available to answer any questions.  He kept us informed from the beginning to the close of our loan.  Not one thing went wrong! This was a wonderful experience for me!  M. Bohner

Mark was always available anytime, day or evening, and he returned calls fast!   P. Garcia 

We are very pleased!  Mark and his staff did not give up and worked hard to get us our loan.  If it was not for Mark, we would not be in our home!  A. Vera

Mark was excellent in every way!  He made sure we understood everything and kept us updated every week until we closed our loan!  J. Eddingfield

His paperwork was accurate and we actually went to the settlement table with a little less money than Mark had estimated!  He called us once a week to let us know where we were in the process of our loan!  Very Knowledgeable! S. Allen

He made our home buying experience great!  We can't imagine doing it without him!  He gave us 100%!  C. Goff

Mark went over everything page by page and was so helpful! He was trustworthy and wonderful and I have already recommended him to others!  S. Finley

This was our first time purchasing a house.  Mark was very patient and explained everything very clearly and was always willing to answer our questions.  Mark was a pleasure to work with.  It could not have been better!  R.&A. Nichols

He is very honest and made us feel like he really cared about us.  He went above and beyond all of our expectations!  J. Reynolds

Mark seemed to go out of his way to keep us informed throughout the process!  K. Fullerton

He did a wonderful job!  We enjoyed working with Mark and have recommended him.  G&M Vincent

Mark did everything right!  He is the best!  He was really fast and kept me informed with everything!  He got the loan done when my bank was not able. T. Polivema

Mark was great! He really explained everything!  I don't think there is anything Mark needs to do to improve.  He is really good at his job!  It was nice working with him!  J. Ahumada

Mark really kept me well informed as to what was going on with my loan!  J. Barber

 

Mark A. Miskiel

"Delivering a level of service that can only be described as exceptional!"

(928) 634-7987

miskiel@msn.com

NMLS # 198563  

First time buyer loans, Purchase, Refinance, ARM Conversion, Combo Bill Pay, Construction, 2nd Home, Investment, 100% Financing, Lot Loans, Reduced/No-Closing Cost Options, Reverse Mortgages, FHA, VA, Rural Housing, Lot Loans, Manufactured.

 

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