Hello. My name is Bill Black and thank you for taking the time to review my bio page- I am a loving father of a beautiful daughter attending Western University in Bellingham, Washington. She is definitely my pride and joy of life- but the main reason you came here was probably to learn more about my position as VP of Mortgage Lending for Guaranteed Rate and why you should chose to work with me and trust me to manage your mortgage.
I want to work with you! The reason I say this is you are investing the time to research the person that you are trusting to put you and your family in the largest debt of your life. (Breathe)
After hundreds of transactions, I have learned through customer surveys that my raving fans are those that took the time to research the process and educated themselves in how it all works. They took the time upfront to spend an hour or two with me for an initial consultation to go over the process, the current market conditions and really dig deep into their specific needs for their mortgage plan. The borrowers that gave me 8s or 9s assume that a mortgage is like a commodity and chose to not meet or review the process as they didn’t have the time.
If you are still reading this- then I have a feeling, we will have great success in the purchase process of your new home.
Becoming a homeowner is a very exciting process; however, when qualifying for a mortgage, unforeseen events can sometimes make buyers feel uneasy. With over 15 years of experience, I have learned what it takes to create the best possible outcome of a mortgage transaction- I can blow my horn and go into the volume I have closed, or the accolades I have received ý but at the end of the day that is the past and as a consumer it has very little to do with today and the future of how a transaction will end.
The most important thing to know is that a mortgage is not a commodity- each loan officer and their skill is important, but also the most important is who the loan officer is using for a pit crew to win the race. We are all different in the way we do business, the processes we use, the number of employees we offer to support the teams so they have a balanced life, the relationships we maintain with the local appraisers from paying full price and paying every time on time, the relationships we have with investors based off volume of loans closed ($18 Billion in 2015) and the list of variables goes on and on- so when selecting a lender, it is imperative for you to be prepared as much as possible.
Thank you for taking the time to learn about the people that are asking you to trust them with the largest purchases of your life- without trust there is no success.
I recently posted a Facebook comment while sitting in the waiting room of a radio show in hopes of calming my nerves and was told it was an eye opener to a seasoned Real Estate Agent and asked if it was OK to put in her marketing material. I will share with you below. (Connect with me and say hi- Personal is Billblack Business is billblackmortgageguy)
My journey begins...the goal is getting the message out that when buying a home and selecting your lender it is a lot like going to an airport to take a trip around the world.
You will not have the greatest success if you went to a little private landing strip and hopped on a little 2 seater airplane (credit union or small bank) in hopes of flying to Europe...that airport and plane work perfect for what it's intended for though. (Short trips aka car loans, personal loans, lines of credit.)
You would go to an International Airport that has the systems and processes in place- big airplanes capable of managing the bumps, adequate security, on time arrivals.
A mortgage IS like planning a trip to Europe and you only want to fly with the best- our business is mortgages- not banking, not investments, not building houses like Lennar or D.R. Horton (#1 and #2 Builders) and definitely not selling bulk items (Costco and Walmart now do Mortgages).
Fortunately, I have found the missing piece that now completes my International Airport. Being a lender with the lowest rates is a given- but having options to find the flight for every person that wants to fly with limited turbulence and land on-time with a smile on all faces is what makes for a safe trip. .
This means we could offer financing to people one day out of foreclosure, one day after short sale and we even have a loan for a non US citizen without a social security number- we continue to lead the pack with the best of the best leading the way. A new 2% Grant on a 3% loan was just released- this kind of product is only available when working with the best of the best- GR.
Come fly with me..