Dear Nader ,
Thank you for your outstanding service and commitment to my clients over the past few years. These have been the most difficult times in real estate and housing. However, together we have made it happen for home buyers and sellers that believed in us. I refer to you as a "Forensic lender" because every time I refer a client to you, I know that you will comb over the documentation to make sure my buyers are qualified and will close. Further, you ensure that they understand the loan products, are comfortable with the scenarios you recommend and provide the most competitive rate.
We all know how difficult it is to find the right home, get an offer accepted and then secure funding. The loan and the lender has always been the lynch pin of the deal and your transition into Cornerstone Home lending has provided an atmosphere of support and a "can do" culture that I need in a time when other lenders are making it exceedingly difficult. Im also grateful to the backbone of your company, Valerie, Jeanette and Michael for being able to assist when necessary. I realize that you get bombarded with phone calls from people who want to get preapproved and i appreciate that you triage and take care of the deals while you field hundreds of phone calls. What most people dont know is that you had to flee from a flooded building and still maintain your business while remodeling a new office and transitioning to a new company. Further, the amount of loans that you process speaks volumes about how many people (agents included) trust you with the biggest financial decision of their life.
In addition to spearheading the loan process, you often go the extra mile for the client without sacrificing the "on time" close. I really appreciated you floating down the rate for the Calcagno's so they could buy up, save money and close on time. I never ask you to do things that take you away from what is the "core of the deal" because I know your highest worth and value your time. I also know that you're not the lender who is the "errand boy" because you're on task with the essential details, communicating with the client and protecting their interest and the deal at all times.
Most recently, you found an investor for my Buyer, Baz, so that he purchase his dream home when he previously was told he didn't qualify from a direct lender.
In addition, you're sourcing and documenting assets for him and my other "independent contractor buyers" is tedious but vital to the transactions.
Baz, in particular has served his country (retired Marine Captain) and his government (Former CIA agent) and deserved someone to fight for him and you became the hero's hero.
Finally, you assisted The Stein's to do simultaneous closing's and got their contingent under asking offer accepted by going to the brokers' open and talking to the listing agent about their qualifications. As you know, getting a contingent "under asking" offer on a new listing in a declining market accepted is almost unheard of. But as you also know, I believe all things are possible with the right support team and referral partners. Thank you for being there when we handed Barry the keys! (These scenarios were only a handful of the ones that you took part in.)
"No one cares how much you know until they know how much you care", this Don Schwartz quote is a value proposition that you and I share. My clients have called upon you to finish when another lender couldn't perform. They've also looked to you as a resource for information and even when there wasn't immediate financial benefit to you, they came to you and got answers. Whether it be the savvy investor or the first time buyer you definitely understand that we are in this industry to facilitate change and reinforce relationships to build clients for life.
Thank you for consistently caring and supporting my clients and my business.
Regards,
Gloria Commiso
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