Competing With the Major Banks and Sweat Shop Internet Companies, We Are Still the Best FHA Option & Best Rate
Premier Nationwide Lending, a North Texas Financial Network, inc (aka PNL, a NTFN inc.) started by being one of the premier FHA lenders in the DFW metroplex. I/we have offered the most competitive rates with the best service for over 18 years. For myself, after nearly 11 years of helping homebuyers find the best FHA mortgage with the best interest rate possible, I have crossed paths and seen it all. Sometimes, it’s hard for a buyer to trust a lender while shopping for the best rate, but I believe it is a lot easier to first spend the time shopping for the experienced Loan Officer in a mortgage company first, and then turn your focus to the rate.
…Other Mortgage Companies Sound the Best but We Are the Best
You see, just like every other facet of the the media world, the American public becomes educated by the conglomorate massive marketing companies in the world. The reason being, they are the only companies who can afford to reach the masses by way of big media advertising…radio, tv, etc… It is human nature to find comfort in what seems normal. So, if you hear the same company name on TV or Radio commercials for years and years every day, you start to have an unconscious comfort in that company. OH CONTRARE MO FRAR!
Coupling Your Checking, Savings, and Investments Does NOT Necessarily Mean You Get Special Mortgage Treatment In Big Banks Anymore…despite what their marketing appears to be saying to you
“OH CONTRARE MO FRAR! “, because, in mortgage, this is far from the truth. When we were young (I’m 38yrs old), you could go into the local big banks, that hadn’t all started to merge with the Chase, Wells Fargo, and Bank of Ameria’s of the world, and your banker would know you by name, and know who’s kid you were. There was a safety and comfort in that. Also, because you had your checking, savings, and investments with them, they could strike you a deal…that’s VERY rare today. Well, I believe that the major banks still use that concept, which is a little misleading from my point of view, as an advantage to get your business. The difference now though, I do not believe they are the “safe” option anymore. They are so big, and focus so much on profits, that they institute systems that maximize efficiency and in the end minimize their ability to serve, like a smaller company. It would be different if they on one hand, had a lesser ability to provide a great service, but on the other hand, offered the unbeatable interest rates and fees to compensate for the lack of it. From my daily activities within the industry, it appears they do not.
Why Try Me/Us 1st Before you Go to Your Checking and Savings Bank?
Since I do not have the huge marketing moneys that the major banks and internet conglomorates have, I do not get to the American public first, on the front line. This is the reason why I receive calls on a weekly basis, from people who have tried to go elsewhere to get their refinance or purchase mortgage done, and after 1,2, or 3 months of terrible stress, they come to me to save their loan process. WEEKLY, this happens. It’s not your fault. We can only believe in what our minds eye can see, and our eyes are seeing only what the mass marketing companies put on TV and radio.
I urge you to make us your primary option. Sit down with me, let me deliver my service and explanations to you, and THEN make a decision on whether you think you will be better served with some large sweat shop internet company or a major bank. JUST SAYIN.
Brad Lynch says
Speak your mind please.
Brad Lynch (author)
check out my Facebook Business page YourMortgageGuyForLife
https://www.facebook.com/YourMortgageGuyForLife
Jessica says
interesting perspective!
kungphoo says
weekly! that is a testament to you from the people you have helped.. Nice Job!
Savannah-Lin Rosa says
Can’t wait to buy my own house.. Hopefully soon!
Kelly says
People definitely need to trust someone when they are making such a large purchase. I would rather use someone like you that is knowledgeable about the industry and take my best interests at heart rather than use a big bank that I am just a number..
Deborah says
I hear from Wells Fargo and B of A regularly about their refinance options available to me. You don’t often hear about other options. Thanks for the good information.
jo Casey says
Great advice is essential in such a confusing market. I think many people have lost faith in the banks and larger financial institutions to provide this.
Marjory Johnson says
This is so very true! Local and someone you know is so much better.
Irene says
That is so great. It speaks very highly of your company. And run those sweatshop internet sites out of business!
Tom's Foodie Blog says
Great to see that the little guys is offering competitive deals!
Daniele Holmberg says
I wish you were in California. I would give you a chance to try and help us…everyone thinks they can get our home refinanced and no one has been successful yet:(
Vicki Bezio says
Sometimes your regular bank doesn’t give you the best deals. I just bought a car and had it financed with a new bank because the interest that I could get from the new bank was about 2 points lower than the Credit Union I have been a member of since 1989. Really!!
When I asked the Credit Union about it… they said they would match the other offer, but I didn’t move my loan because I already signed the papers and I didn’t want to waste anymore of my vacation.
Casey Gardner says
I couldn’t agree more. Big companies don’t care and it’s easy for them to not personalize you.
bradley finnearty says
It is so true that you have to pick someone trustworthy to handle big things like this. Thank you.
marielle altenor says
We are in the process of looking for a new home, we’ve been saving for a couple years for a downpayment. I never gave the whole process much thought and assumed if we wanted a loan we only have the bank to go to. Is the serive you are offering only for people in your area? BTW what is “OH CONTRARE MO FRAR!” lol I speak french so i read it in my head and it is “Au contraire, mon frère” lol your way of writing it sounds more fun though. Cheers!
Brad Lynch says
Marelle,
I’m married, but if I weren’t and was filling out my own profile on Match.com or something like that, I would probably say about myself that I’m very grounded and what you see is what you get…not all that flashy. 🙂 My point is; I try to NOT recreate an alter ego when I write. I try to let it flow like I was talking to a friend. I think people appreciate that in the world of big capitol. I could have easily Googled the French expression for accuracy, but I actually say it just like that! lol Thanks for your nice comment. 😉
Regarding your question…I do loans anywhere in Texas. I work on loans in West Texas at least once a month or two, and in Central and South Texas ever month or two as well. So, just w/in the borders of Texas. I WOULD suggest, if a person was not in Texas, they should Google around and find a Banker, rather than a large bank…bankers are the evolved version of mortgage brokers before the industry was changed by the government, so you could probably search for a broker and end up with a banker. We still call ourselves brokers in blogs and media, because most of the world still isn’t aware of the change and we want to be found when they use those key terms in search.
OKAY! Hope I helped. Have a great Holiday and rest of the year!
Brad Lync
YMGFL
Brad Lynch says
Brad, I want to say, from Brad to Brad, I think you are right my friend! 🙂
YMGFL
Brad Lynch says
Daniele,
I hear you!!! I get calls all the time from people who are on their 3rd attempt with a new lender for financing. More than half the time, after I hear their story and details about what their file looks like, they simply can not get a loan in this market and the first guy should have told them that rather than drag them through the process hoping fairy dust turns it into a commission for them somehow during the process…I compare this style of business to the style of cooking spaghetti where you throw it against the wall to see if it sticks, because, it’s a messy way to go about it. 🙂 Many times though, I’m the 3rd guy they reach and I get it done with no problems.
I can not do loans in Cali, but all lenders are pretty much under nearly identical underwriting guidelines in MOST cases, so if you want to call me on the phone and tell me about your woes, I might be able to tell you if it’s worth your time to continue looking for a lender or spot your problem and tell you how to become loan-able. Whatever… 🙂
Thanks,
Brad Lynch
YMGFL
Brad Lynch says
Tom,
I closed on a $175,000 purchase yesterday, and the closer at the title company, who sees 5-10 loan closings and the rates that go with those, PER DAY. He said to my client at closing when he saw my clients rate, “wow! I haven’t closed on a rate below 3.875% in 2 months”. I don’t just compete, I BEAT my competition. 🙂 Thanks for the nice comment Tom.
Brad Lynch
YMGFL