You work with us – not a 1-800 number where you can’t reach anyone, or where there is constantly a new person you have to work with. Once you connect with First Down Mortgage, it’s always us, and our team through the whole process.

We are FAST- banks have a lot of processes in place that slow the lending process down. This creates delays in each step and typically puts you down to the wire on getting cleared for closing.

We have experience- Bank representatives tend to be newer to the industry, although not all of them – and less likely to have the knowledge base to work through challenging situations.

We are flexible- banks have very stringent guidelines that are black and white. We work with more than a dozen lenders and understand how they review loans differently. So we have options when we have a challenging scenario we need to get approved.

We are responsive – We understand how stressful a real estate transaction can be, so we are available outside of the regular 9-5 hours and we respond to all requests VERY quickly. Big banks generally are not available and only set requirements for their employees to proactively reach out once every week or two.

We are clear, transparent, and direct- there is no guessing game with whether you are approved or whether there are any concerns. If we anticipate an issue, we bring it up as soon as we are aware and we talk through the next steps. You will always know where you are in the process and what the next step will be.

We communicate how you prefer- email, text, phone, video chat, in person. We can do things as electronic or non-electronic as you want.

Because we have options with a variety of lenders, that means we can shop the best rates, costs, and turn times. Banks generally work from one rate sheet.

We are not going anywhere- each of our employees have been in the industry 10-20 years and we left the corporate bank world to create a lending process that is much more client focused. We love what we do and helping people through the process.

When you work with a larger institution, especially in down times, there is a lot of attrition and layoffs which puts stress on the process, the firm, and their employees. This will directly impact the experience that you have as a borrower.