It’s time to buy a house, which most likely means it’s time for a mortgage. But wait! You don’t know the first thing about a mortgage. Or even how to find the best mortgage company.
Don’t panic! We can help. Let’s consider a few things you should look for in a Brighton Michigan mortgage company.
Obviously, there are a few things everyone wants to see when they walk into a mortgage company for the first time. First impressions are everything. So if you don’t feel comfortable or cared for on your first visit, you may be at the wrong place. When you walk in, you want to be greeted warmly.
Your mortgage representative should be glad you’re there, not irritated that someone needs their help. After all, it’s their job, and they’re there to help you. Not the other way around.
Generally, it comes down to this: relationships.
By this, we mean the type of relationship where the company cares about you and wants to help you. Subsequently, they want the best for you. And they’ll do anything to get your mortgage needs taken care of quickly, effectively, and kindly.
You don’t want someone who helps you because they have to, but because they want to. This may mean they call you to see how your end of the process is going. Or perhaps they offer you friendly reminders and follow-up phone calls. Being on top of things is key to a lasting relationship.
Every client who walks into a Brighton Michigan mortgage company should feel respected, even if they don’t know the first thing about a mortgage. Sometimes people tend to talk down to other folks who don’t know as much about a topic as they do. But this shouldn’t be the case. You should be able to walk into a mortgage company and feel like the employees are going to listen to you and respect you.
Generally, dedication could fall under the relationship category. But to make things less confusing, we’ll separate the two.
When we talk about what dedication means, we want to keep a few things in mind. Dedication doesn’t only mean being friendly and being there for all your mortgage necessities. It means that whatever needs you have, the mortgage company wants to help and wants to give you the best service they can. No matter what it takes.
This might mean the mortgage company has to jump over extra hurdles. But if they’re dedicated, it won’t make a difference to them.
For the most part, it’s easy to tell whether someone is good at their job. Or if they could use some improvement. One of the easiest aspects to spot is whether or not someone is responsive.
By this, we mean someone who returns phone calls quickly. The kind of responsiveness where you don’t wait four business days to hear back from someone.
Mortgages aren’t just simple little things. Quite the opposite actually. As a result, they require lots of work, hard work, and time. Generally, this means that the faster the mortgage company and you communicate, the faster things get done.
Falling under the category of responsiveness, you want someone who’s a good listener. Someone who will hear you out, and take time to listen to your questions or thoughts. Subsequently, someone who cares about you. After all, this is your mortgage, and you deserve the best help you can get.
Some of the biggest uncovered scams have involved mortgages. Therefore, it’s important that mortgagees and Brighton Michigan mortgage companies are honest. After all, as Benjamin Franklin wisely put it, “honesty is the best policy.”
Feel comfortable, stay safe
Your well-being should be a top priority when getting a mortgage. So, if you don’t feel comfortable with a mortgage company, think about finding a different one. Referrals are important, as well as your own research.
Additionally, you want to make sure you and your money are safe. As you research, take a look at our article about avoiding mortgage scams. You’ll know what to watch out for when you start looking for a Brighton Michigan mortgage company.