Why work with a mortgage broker like desert rose lending?
Better Rates and Costs
- Mortgage brokers have access to many lenders and have the fiduciary responsibility to find their clients the best available financing.
- Mortgage Brokers are owner/operators. This means very low overhead costs. Banks have many layers of management... Guess who pays for all of the managers salaries? The customers pay with higher rates & fees.
An Expert Point of Contact
- Brokers operate in direct contact with the customer throughout the entire financing process. This ensures fast, accurate and reliable information throughout the process.
- Customers get lost at a bank, your credit union or a large mortgage origination company. Documents are lost, points of contact change, it can be a long and frustrating experience.
We Care!
- Mortgage Brokers are only compensated if your loan closes. Brokers are only allowed to close loans that have a net tangible benefit for their customers and they will help you in any way possible to get the job done.
- The bank employees? The customers are just another number to them. Just another check mark in the box. Don't be another number, you are worth it to partner with a broker who cares.
Expert Service!
- At Desert Rose Lending LLC our chief Mortgage Broker has 13+ years of experience and has overseen thousands of loans closing! This the definition of an industry expert at your fingertips.
- The bank employees? They just read off of the approved scripts. Generally they are less knowledgeable and experienced than mortgage brokers. This is one of the main reasons why you will deal with 20 different employees at a bank . None of them know how it all works!
Will You Transfer my Loan?
- Lenders, servicers, credit unions or banks will not guarantee you that they will service your loan payments for the entire 30 or 15 year term. If an employee tells you they will guarantee that they will service your loan for 30yrs, ask to see the guarantee IN WRITING.
- Desert Rose Lending LLC is not a mortgage servicer, clients do not make their mortgage payments to us. We are here to make sure you receive the best care before, during and AFTER your loan closes! Once you are a customer of Desert Rose Lending, you are a customer for life. If the rates go down and we can help you save money, we will absolutely reach out to help.