Call: 203.240.9611


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Contact Me:
Dave Stambone
Vice President
HamiltonLadd Home Loans 203.240.9611 dave@davestambone.com

"When Dave is at the wheel, I feel that I can relax knowing my clients are in the best hands".
 
Wendy Westcott
Klemm Real Estate
 
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MORTGAGE NEWS FROM
YOUR LOCAL EXPERT..

4 Things Your Local Bank Won't Tell You!

 

1. YOUR LOAN MAY BE SOLD -
Unless the loan is kept on the bank's balance sheet, MOST loans are packaged and sold in bulk to the secondary market (Fannie Mae or Freddie Mac)for profit.
  
2. LOAN DECISIONS MAY NOT BE
   MADE LOCALLY - 
Your local bank may actually broker to other lenders BIGGER than them. As a result, underwriting is often outsourced too.
  
3. YOUR LOAN OFFICER IS NOT  
REQUIRED TO BE FEDERALLY AND STATE LICENSED -
Unlike Mortgage Brokers, reps of local and national banks are not required to be federally and state licensed. Nor are they required to maintain a license through continuing education. 
  
4. ALL APPRAISERS MUST BE 
LOCAL AND CERTIFIED -
It makes no difference if your bank is local, regional, national or private. All appraisers must be LOCAL and CERTIFIED to effectively determine the value of your home.                   
Program Spotlight:
UP TO 90% JUMBO FINANCING
  • Available up to $750,000
  • Fixed and ARM's
  • No points & no pre-payment fees
  • No PMI (private mortgage insurance)
  • Available for purchase or refinance
  • First time buyers OK
  • County Limits DO NOT APPLY
Call and let us help with your mortgage needs today.
203.240.9611

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