About The Friendly Neighborhood Mortgage Guy
As a Mortgage Professional for 9 years, my career has taken me down many paths, and given me the opportunity to help over 400 individuals and families buy or refinance their homes. That makes me knowledgeable about mortgages, but I promise you more than that! I've also met many fine folks and service professionals that help me deliver a complete package to my clients. I'll be happy to introduce you to anyone that can better your cause. Because of my relationship first approach, my network of service professionals is growing on a daily basis. Please allow me to be your FIRST point of contact for virtually all of your residential mortgage needs.
Call me today and schedule a NO OBLIGATION CONSULTATION (only 7 appointment slots open for September, AND ask how you can SAVE $300 of your closing costs!)
I take every opportunity personally, and when ever possible, I'll do my best to meet you face to face. After all, its the relationship that matters most!
-The Friendly Neighborhood Mortgage Guy
ps: I'm confident that if I can't get it done, I know who can!
pps: Be sure and check out my "Great Resources!!!" page. Its filled with networking opportunities and links to several highly esteemed local professionals!
ppps: Are you searching for a new home? Find great deals on local RI For Sale By Owner homes at www.HomesByOwner.com/Providence
Please navigate my web site to learn more about my services, what I can do for you, and how easy it is to get started.
And don't forget to ask about how you can save $300 off of your closing costs!!!
PS: I also have a beautiful wife and a 2 year old son. They are the light of my life!
PPS: Meet Team TMG
PPPS: Important things you should know, that most people won't take the time to look in to:
Once you are satisfied that you are working with a top-quality professional mortgage advisor, here are the rules and secrets you must know to “shop” effectively.
First: IF IT SEEMS TOO GOOD TO BE TRUE, IT PROBABLY IS. But you didn’t really need me to tell you that, did you? Mortgage money and interest rates all come from the same places, and if something sounds really unbelievable, better ask a few more questions and find the hook. Is there a prepayment penalty? If the rate seems incredible, are there extra fees? What is the length of the lock-in? If fees are discounted, is it built into a higher interest rate?
Second: YOU GET WHAT YOU PAY FOR. If you are looking for the cheapest deal out there, understand that you are placing a hugely important process into the hands of the lowest bidder. Best case, expect very little advice, experience and personal service. Worst case, expect that you may not close at all. All too often, you don’t know until it’s too late that cheapest isn’t BEST. But if you want the cheapest quote – head on out to the Internet, and we wish you good luck. Just remember that if you’ve heard any horror stories from family members, friends or coworkers about missed closing dates, or big surprise changes at the last minute on interest rate or costs…these are often due to working with discount or internet lenders who may have a serious lack of experience. Most importantly, remember that the cheapest rate on the wrong strategy can cost you thousands more in the long run. This is the largest financial transaction most people will make in their lifetime. That being said – we are not the cheapest. Of course our rates and costs are very competitive, but we have also invested in the systems and team we need to ensure the top quality experience that you deserve.
Third: MAKE CORRECT COMPARISONS. When looking at estimates, don’t simply look at the bottom line. You absolutely must compare lender fees to lender fees, as these are the only ones that the lender controls. And make sure lender fees are not “hidden” down amongst the title or state fees. A lender is responsible for quoting other fees involved with a mortgage loan, but since they are third party fees – they are often underquoted up front by a lender to make their bottom line appear lower, since they know that many consumers are not educated to NOT simply look at the bottom line! APR? Easily manipulated as well, and worthless as a tool of comparison.
Fourth: UNDERSTAND THAT INTEREST RATES AND CLOSING COSTS GO HAND IN HAND. This means that you can have any interest rate that you want – but you may pay more in costs if the rate is lower than the norm. On the other hand, you can pay discounted fees, reduced fees, or even no fees at all – but understand that this comes at the expense of a higher interest rate. Either of these balances might be right for you, or perhaps somewhere in between. It all depends on what your financial goals are. A professional lender will be able to offer the best advice and options in terms of the balance between interest rate and closing costs that correctly fits your personal goals.
Fifth: UNDERSTAND THAT INTEREST RATES CAN CHANGE DAILY, EVEN HOURLY. This means that if you are comparing lender rates and fees – this is a moving target on an hourly basis. For example, if you have two lenders that you just can’t decide between and want a quote from each – you must get this quote at the exact same time on the exact same day with the exact same terms or it will not be an accurate comparison. You also must know the length of the lock you are looking for, since longer rate locks typically have slightly higher rates.
Again, my advice to you is to be smart. Ask questions. Get answers.
As you can imagine, we wouldn't be encouraging you to shop around if we weren’t pretty confident that we feel that we can give you a great value and serve you the very best.
Please contact me with any further questions you may have at this time – I am ready to work for your best interest!
HOW TO CONTACT ME
"The Friendly Neighborhood Mortgage Guy"
BY CELL: 401-965-9384
BY FAX: 508-276-0171
EMAIL: SWheelan@TMGLtd.biz
Licensed Broker in: RI License Number 20041700LB, CT No. 14666, MA License Number MB 4627, ME 360035, NH License Number 10349-MBR, VT No. 0693 MB, FL MBB 0703656
 You can find great local Warwick, Rhode Island real estate information on Localism.com Sean Wheelan is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.
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