Phil Smith

Residential, Commercial and Private Money

CA, AZ, NV

Honesty

Motivated to finish the transaction.

If there is a true benefit in the transaction. If you work with integrity you need to leave the customer better than before you spoke with them.

Not understanding their longer term needs, and not taking the time to become educated in the loan choices available.

Tell the truth, and a professional loan officer can help you overcome many problems up front that can kill a transaction later.

Read the documents and ask lots of questions. When refinancing, don't sign unless the terms are what you agreed too.

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