Pat Chill

Mainly uninsured conventional mortgages.

California

Honesty, integrity, knowledge of what they can afford, education within industry, listener, and straight talker.

Someone who is willing to work with me to accomplish a memorable financing transaction.

Lowering their rate, or overall debt.

Choosing a loan that they do not understand, or one that would help them qualify for a house they cannot afford, or simply thinking 30 yr fixed when they really can't or don't need a 30 yr fixed.

The loan process completely, how many people are actually involved in the transaction, what is controllable and uncontrollable, understanding the disclosures and the need for those disclosures.

Never overbuy, listen to your advisor, never sign on the dotted line until you have truly understood what you are doing and knowing that it fits into your overall financial plan.

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