In spite of the challenges, mortgage lenders largely welcome the changes. Not one agent interviewed for this article expressed anything but approval that the deceitful lenders will now have a harder time undermining the honest ones. Shane Hulslander of Premier Mortgage Consultants in Florida was able to provide a full-fledged GFE in minutes when asked to provide one. The estimate showed a cost of 1 point, offset by a credit of 1 point — an easy-to-understand entry allowable in Florida. This prevents any APR distortion and is meant to reduce borrower confusion.
"The new RESPA guidelines help everyone that is part of the financing transaction from the title company and the borrower down to the lender/broker," said Hulslander. "I am glad the bait-and-switchers will be slowly weeded out of the industry; they have been giving mortgage professionals a bad rap for way too long. The old bait-and-switch tactic was always a big concern of clients — they have been shown an estimate that looked too good to be true and came to find out at the closing table that it was. You can’t imagine how glad I am to know those days are gone."
January 23, 2011
“Duane was very good at responding to my emails and getting things done. One time, Duane and I were exchanging emails around 7:00pm PST (10:00pm EST) on Saturday and he also answered my phone calls on weekends as well. I would describe him as somebody who gets things done in a timely manner. Also, when a third-party notary came to close the deal, she mentioned “I heard Provident offers the best rates but it is very difficult to close” so I know I received the best deal out there as well”.
January 10, 2011
I want to thank you and the Premier Mortgage consultants for your diligent work.
I have purchased five homes and this was my first re-finance. I could not have asked to work with a better group of people. Also, I want to thank you for working with me on Thanksgiving Day, that was way beyond the call of duty. I had contacted three other lenders on that Wednesday afternoon and you were the only one to get back to me in a hurry. One broker even called me the following Wednesday and apologized for being so late getting back to me. His excuse was the Holiday had put him behind schedule contacting his prospects. If any of my friends are in the market for a loan, I will recommend you and Premier without hesitation.
December 21, 2010
To whom it may concern:
It was a pleasure working with Mr. Vallie recently! He was always courteous, professional, well informed and provided us with excellent customer service. Many thanks to Mr. Vallie for his help and guidance.
November 5, 2010
Glenn, I just want to let you know that wast the best closing I have had in my life. You guys have the Lowest Mortgage Rates out there. It was amazing that you had my loan ready to close in 10 days. WOW guess I found my mortgage company for life.
Sincerely, Chris Ball
April 15, 2010
I just want to let you know that was the best experience I have ever had with a closing in my life.
I will be telling all my friends about you. Keep in in touch and good luck with your business.
Sincerely, Dan Howard
November 30, 2009
I hope you had a relaxing Thanksgiving. I am happy to give feedback regarding our recent refinance with you and your company. I was pleased from the start. You responded in a timely manner to my initial contact and gave me very clear and complete information regarding rates, fees, etc. My husband and I were very satisfied with how quickly and painlessly the whole process proceeded. Thanks again for the great service and we will certainly contact you in the future if the need arises.
Sincerely, JoEllen Gilbert
November 24, 2009
Dear Glenn Midnet,
I am writing this letter on behalf of Shane Hulslander, Branch Manager of Premier Mortgage Consultants who worked on processing our massive paperwork for a mortgage for a house we are purchasing in Venice, Florida. I have not taken out a mortgage in a decade much less in the state of Florida as I have purchased a couple of houses in Texas with cash in the past two years. I had no idea how many documents were required or how “challenging” and lengthy the process would be to obtain a mortgage.
I owe the entire success of obtaining a mortgage to Shane! I was extremely blessed to work extensively with Shane from the very beginning of the purchase when I located the Premier Mortgage Consultants on a generic website for mortgage loans. I did call several other companies but he was the most expedient to reply and the most polite and patient with all of my millions of questions.
For each step of the way, for four weeks, Shane answered my numerous phone calls and e-mails almost as quickly as I could send them. He was exceptionally courteous and your company is so fortunate to have such an excellent person to work for you, as he absolutely incredible at his job!
I have taught thousands of college students over the last 12 years and believe me they could take a course from Shane on positive costumer service and communication skills (and I am in the department of Communication Disorders at Texas State University). In fact if I could have seen his face, he actually may have been smiling because he was so friendly. I really appreciate how much time and energy Shane put forth as I was purchasing a home for sale from owner and there was no realtor involved to help me.
I am writing this letter to let you know that Shane is one incredible person and a super competent individual in your company. Shane gets an A+ in my grade book for all of his hard work and dedication. He is an outstanding employee and an amazing asset for your firm.
Closed with lender
Closed with lender
Licensing: NMLS# 388211
Premier Mortgage Consultants
2534 SE Santa Barbara Place Suite 201
Cape Coral, FL. 33904