The biggest difference between Denise and another loan officer is that she is a Certified Mortgage Planner with a Financial Advisor background. This allows her to prepare and analyze different loan strategies that look at more than just your interest rate and term. Mortgage loans are much more complex.
Denise actually runs a Total Cost Analysis to review rate, term, insurance, tax benefit, amortization, costs, etc. Then she can determine which loan program will give you the highest net worth in 5-7 years and up to 30 years. They work with over 30+ lenders to help ensure they not only find the best interest rate, but that they have all types of loan products.
A mortgage bank offers the widest variety of products, mortgage rates, and start-to-finish control over the entire loan process. Whereas the big-box banks only offer their own products and services. This is why we have chosen Denise to be a part of our One-Stop-Shop.