RESIDENTIAL HOME LOAN ADVISORS.com

Responsible Mortgage Lending Happens by Design

In today's real estate market, there is no room for cavalier attitudes or uneducated loan officers. 

Mortgage banking requires expert processes and constant monitoring in order to provide a successful home purchase or refinance.

Through a personal consultation, you will receive expert counsel with a clear focus on developing the goals for your mortgage loan.  Certainly we endeavor to make the loan process as simple and worry-free as possible.  That is expected.  However, a professional mortgage plan includes an analysis of all aspects of your mortgage needs.  For some they are simple, for others they can be more complex.  Either way, you owe it to yourself and your family to capitalize on the expertise of a planner who will assist you in creating a mortgage strategy that insures you are positioned in the best possible way to achieve your future financial goals.

Whether you are looking to purchase a home, refinance an existing loan or secure investment propert, our team is ready to assist you with securing the right plan for your unique needs.  

Single Source Solution: One Application & Ten Bank Choices

Today’s real estate market respects no one.  There is no favoritism and no special consideration.  Today, if you desire to purchase or refinance a home, you must be able to secure multiple options to guarantee the best pricing, and even more important, the ability of the lender to fund your loan.

Here are several key points to consider;

Mortgage Banks  vs. Brokers: The pressure on Brokers is staggering and has resulted in major challenges for them in securing approvals. Each lender the Broker turns to can apply special “overlays” on their Fannie, Freddie, FHA and VA programs.  With Synergy Capital (branch office of American Capital), you gain direct access to numerous banks and with each one we provide all aspects of the loan process including origination, underwriting and funding.  We are able to secure timely solutions with in-house staff that is simply not available to brokers.

Multi Bank vs. Single Bank solution:  Mortgage Bankers (single bank) typically have a "bank first" policy restricting their Loan Officers to the terms and pricing for the parent bank. This can be a huge disadvantage to you as a client.  The multi bank solution offered by Synergy Capital provides underwriting and funding control while offering the flexibility of multiple lending sources, resulting in an improved ability to secure an approval as well as the most competitive interest rates.

Single Source Solution (SSS): When you can complete one loan application, one credit review, provide documentation one time, pay for one appraisal... and have the shopping advantage of multiple banks, you have a huge advantage. This SSS is what Synergy Capital brings to you and/or your client. 

Knowledge, Experience & Expertise: Every client’s needs and life situations are unique. Successful loan funding requires a unified team of professionals (not just a loan officer) to take you all the way through funding. Retail banks are split into divisions and departments. Broker offices must cope with unique lender overlays, compliance issues and lack of control with underwriting. Synergy Capital however works with you from the inception through to funding to navigate each loans unique needs and associated requirements.  From Loan Originator to Pre-Approval Manager to Processor to Special Programs Officer to Underwriter to Funder... we work together to ensure a successful Close Of Escrow

With Synergy Capital you allow yourself significant benefits; Price shopping between numerous banks, a mortgage advisor who is an expert in mortgage lending, single source application, a support team that is focused on securing your loan and an underwriting team with a clear goal of finding solutions to any challenge so we can fund your loan.

Experience the difference… Synergy Capital.

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