PROFESSIONAL MORTGAGE LENDING

Responsible Mortgage Lending Happens by Design

In today's real estate market, there is no room for the "old school" ways or cavalier methods. 

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

Through a personal consultation, we focus on the development and understanding of your mortgage loan.  Certainly our goal is to make the loan process as simple and worry-free as possible.  That is expected.  But, 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 it is a home purchase, a refinance, a home equity loan or a second mortgage, our driving ambition is to help you find the right plan for your unique needs.  

Single Source Solution: One Application & Six 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.  Within a Mortgage Bank like Synergy Capital however, we have direct access to underwriting as well as the banks program guidelines.  We are able to secure timely solutions that are often not available to brokers

Multi Bank vs. Single Bank solution:  Mortgage Bankers (Single Bank) typically have a "bank first" policy restricting buyers to terms and pricing for the parent bank. This can be a huge disadvantage.  A Multi Bank solution like Synergy Capital, allows for underwriting control while offering the flexibility of direct access to multiple banks resulting in an improved ability to secure an approval as well as the best possible 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 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 inception, identifying unique needs and associated loan and lender options. 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 to experience significant benefits.  Price shopping between 6 Major Banks, a mortgage advisor who walks through the process with you from your first contact to the day you have keys.  You have direct access to the PreApproval Manager, the Processor and the Special Programs Officer.  As well you will have an underwriter who has a clear goal of finding solutions to any challenges.

Experience the difference… Synergy Capital