For agents & builder reps
Your buyer's financing shouldn't be your problem.
You found the house, negotiated the contract and managed the inspection. Then the lender goes quiet for four days and it becomes your phone ringing. I'd like to be the reason that stops happening.
What you can expect
Six things, specifically
Not a pitch about service. The actual commitments, which you can hold me to from the first file.
You get my mobile
Not an assistant, not a queue. If an offer is due Monday and it's Saturday afternoon, I answer. That's the whole point of working with someone building a book rather than defending one.
Pre-approval in 24–48 hours
Income and assets verified, not a soft pull with a template letter. Listing agents in this corridor can tell the difference, and it's often what gets your offer read at all.
I take the awkward files
Self-employed through their own consultancy, newer to the country, income that needs reading rather than scanning. A declined buyer is a dead commission — these are the ones I'm set up for.
Several lenders, not one
Through The Mortgageist Inc. I place files with UWM, Pennymac, Sun West and others. When one lender's guidelines don't fit your client, that isn't the end of the conversation.
Hindi, Telugu and English
A large share of buyers in this corridor are more comfortable discussing money in their first language. I can take that call directly rather than through your client's cousin.
I know the districts
MUD and PID obligations, which ISD boundaries are under review, what a builder will actually concede in December. I price the specific house, not a generic payment.
Where deals die
The two calls you don't want to make
“The lender needs another week”
Option period gone, seller irritated, and you're the one explaining it. Usually because conditions sat unanswered for days while the file waited on someone's inbox.
“We're clear to close”
Conditions answered the day they're raised. You get a status update without asking, and you hear about a problem while there's still time to solve it.
Being straight with you
I'm early in building this.
You've probably been pitched by lenders with twenty years behind them, and I'm not going to pretend to that. What I'd ask you to weigh instead is what actually costs you deals.
It isn't tenure. It's a lender who stops answering in week two because your file is one of forty. I have the capacity to treat your client like the only one, and a lender panel rather than a single employer's rulebook.
Send me one difficult file — the self-employed buyer, or the one whose paperwork made another lender nervous. That's the fair test.
Start small
One file, no commitment
- Send me a buyer who needs a second opinion
- Or a scenario — I'll price it and send it back same day
- Your client keeps working with whoever they like
- If it goes well, we talk about the rest
Let's talk before you need me.
The worst time to meet a lender is the evening an offer is due. Fifteen minutes now means you know who to call then.
Past client rather than an agent? Refer someone here.