Great rates for people with Great credit,
Reasonable rates for people with "situations"

FINANCIER$ Mortgage Group (F$) is a family owned and operated full service mortgage company started in 1984 by David & Debbie Bennett.

We're 24 years old and counting!

FINANCIER$ is an old-timey name and we pride ourselves on giving good old-time service. It may be a cliche, but it's true, we go the extra mile. To give you an example, there is a bonus waiting for you at the bottom of this page.

As you learn more about us you will find out we are a slightly different type of mortgage company.

F$ is a touch different in many ways than other Lenders. First let's start with experience and background, Debbie & David have been real estate brokers since 1974. David has been a Certified Real Estate Appraiser and was the training director for a national real estate company for almost 5 years, and wrote many of the real estate courses being taught at area schools. Debbie not only was a Real Estate Agent but she also worked in the Title Industry.

F$ has been the "Approval Experts" since 1984 so you can see we have been around the block a few times. We’re definitely not a fly by night operation, after 24 years we’ve weathered all the storms and know how to help steer you thru any type of unusual deal you may encounter.

As do all lenders, F$ has sources for all the normal, everyday type of loans, but knowing that the difference between lenders isn’t the rate but service, honesty & product depth, F$ has really concentrated on service & adding loans of a different nature. By loans of a different nature we don’t mean “B”* loans (We feel the "B" stands for "BAD".)

No, what I mean by loans of a different nature is that we are set up to also do the loans for people, property and situations that aren’t cookie cutter and might require a little more effort on our part. Because we are willing to go this extra mile we’ve found that the majority of our business is repeat and referral.

We typically only end up doing 2-3 “B” loans a year. That small number is a testimony to the level of service we offer. Give us the time we help people get their credit corrected ( for free I might add) so that you can get the loan you deserve. Most companies take the easy way out for THEM and give people with issues a “B” loan.

An example of how we exceed the standards of most companies is that we always begin the loan process with a fully verified Evaluation not just a computerized PreQualification of unverified info. So if we tell a Buyer they can get a loan, they can! Plus we have a very deep loan product line so odds are we can make most Buyers happy. We even do country loans, another area most lenders shy away from due to the extra work involved.

*Don't worry, we'll explain "B" loans, credit bureaus (there are 3), Evaluations and much more in great detail in other sections.

The mechanics of this issue usually boils down to:

• verifiable* income discrepancies,
• misteaks on the credit bureaus, (we'll help you get those corrected)
• the borrower or property don't fit the guidelines of the loan requested,
• mis-stated information (due to lack of borrower education as to what information the lender needs and in what format) or,
• the number one cause -poor processing & presentation of the Buyer's information by the mortgage company.

*verifiable means that either the income isn't of a consistent enough nature such as commissions, bonuses, overtime &/or self employed such as Avon, etc. OR extreme tax write offs. It also means that with just a little more work on the part of the mortgage company it could have been verified and counted!

The real problem is that most mortgage companies are in a hurry whereas F$ takes the time to do what is necessary! You'll find our Loan Officers do not focus on getting people to make a loan APPLICATION so much as getting people a LOAN. It is a subtle but significant difference which is responsible for our over 95% approval rate vs the national norm of only 66%. In other words you won't find that our Loan Officers are pushy Salespeople.

The number one goal of most loan officers is to get you to make loan application - they worry about the little details like can you qualify, interest rates or proper loan type later - MAYBE.  If that set up reminds you of a used car salesman, it's for a very good reason, they have the same mentality and complete lack of concern for their customers needs and fears.

Most mortgage companies don’t take the time to educate the Buyer or do a full Evaluation. Buyer education helps elicit complete, accurate & useful information because now the Buyer understands what's important and why. We help the Buyers understand enough to help us gather the data we need to get an approval or to help us look for alternative info.  That means we won't take a loan application until we are sure can get you a loan that you will be happy with.

Give us the time, and we’ll give you a loan approval you can count on!

If you will give us a try, you will never be satisfied with anyone else's service again.

Now for the bonus I promised. Due to the number of credit errors on virtually everyone's credit bureau reports and due to the increase in Identity thefts (27,000,000 and counting) Congress has mandated that everyone can get ONE free credit report a year.

Keep in mind that you only get ONE per year. Does that mean a calendar year or once every 12 month period, I don't know. If the credit bureaus run true to form then it will mean whatever they want it to mean that will save them $$$.

Because I have just pulled mine thru normal channels I haven't pulled mine thru this program yet so I don't know the format or if it gives you your credit score (it's pretty well useless if it doesn't) but I thought I'd pass this along.

Free Credit Report

We are glad you stopped by to visit our website and we look forward to giving you the best mortgage experience you have ever had! an overview of our loan programs

David & Debbie Bennett
Mortgage Brokers
(licenses #6426 & #2014)