Brian Springmann

I specialize in most residential loans including government, reverse, first-timer, conventional, alternative documentation and construction financing. I usually refer non-prime and commercial clients to trusted specialists.

New Hampshire, Massachusetts, Maine, Florida

Experience, high ethical standards, attention to detail, and personal accountability are the minimum prerequisites when selecting a lender.

My ideal client puts all of the cards on the table right up front and then provides all documentation quickly so I can ensure the strategy for obtaining the optimum loan program can be met without surprises.

Through a needs analysis interview, first determine the homeowner\'s motivations and priorities. Then provide an objective cost/payback analysis. I also explain the risks of over-estimating home value. Only after approving all other loan criteria, will I advise committing to the cost of an appraisal.

The biggest mistake borrowers make when selecting a home loan is in focusing on rate and the lender who only tells them what they want to hear to make the sale.

Get a pre-approval. There's no better way to get a feel for the process and the documentation requirements. You'll then have time to re-arrange your profile to obtain the most favorable loan terms.

Get a referral to a lender from someone who does not have the potential for financial gain in making that referral.

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