It's a shame pride in doing good work has become difficult to find in the mortgage industry. But when you do experience an excellent Loan Officer it's a delight to return to them for the next loan, or refer friends and family to them.*The absolute worst mortgage broker I have ever worked with was highly recommended to my client by someone she considered a friend. He had her set up for a high interest ARM, the changes in time/interest/payments which she could not begin to explain to me and thus obviously could not understand. It took him all of 15 minutes to find the no down payment 5% 30 year FRM with zero points and 6% cash back, (vs the 80/20 ARM at 7.5/11.75% and 3 points,) after I called him and let him know I would be introducing her to my contacts if he didn't find something significantly better and fast.A high referral is no guarantee.IP
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