I put in a bid on a condo in October and the seller accepted, except with a counter to close in 19 days. My financing had been in place with my credit union, however, there was no way they could do anything in less than 30 days. Roger Lee recommended I speak with Fred Wit with Movement Mortgage. Roger said that Fred had been able to secure financing and allow houses to close in 9 days.
When I contacted Fred and explained my situation he jumped in with both feet. Fred is the Senior Loan Officer and Branch Manager of Movement Mortgage and took my case personally because Roger had referred me to him. His experience and expertise ensured I got the best rate, understood what I was accepting, and advised me on how to handle my funds for the sale. I have never had a mortgage officer take the time to advise me on how to best handle my down payment (I've purchased/sold 6 homes at this point). He discussed, in detail, how different benefits of different loans impacted my PMI and monthly payments.
After we initially spoke he was able to have a pre-approval letter in my hands the same day so we could proceed with the offer. Underwriting approved and finalized my loan in 5 days.
At the time the interest rates were changing hourly. Fred wanted to make sure he got me the best rate he could so he checked every few hours for the next 3 days until the rate he was looking for finally popped up and locked it in for me (on a Sunday!).
He and his team are exceptionally efficient and professional. Stephanie and Katy helped with my loan processing and they were ahead of the game every step of the way. They were well informed, organized, professional, responsive and friendly. Any time I called with questions I had about paperwork or timing, I spoke with one of them - never had to leave a voice message. The whole team has clearly worked under tight deadlines and had no stress about getting my financing secured in 14 days. I was ready to close 3 days early, the seller wasn't!
Fred called several times throughout the process just to check in on me and make sure I understood where we were in the process and each step that was coming. In past purchases, I'm usually chasing down my loan officer, so that kind of personal service really stood out to me.
From the first phone call I was confident I was in good hands and they did not disappoint at all! They are a hard working, ethical, knowledgeable, and skilled team that are experts in mortgages. I'll go with them again next time I purchase without a second thought! read more