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First off I would like to add that Im sure you have read or heard somewhere about all the banks that are closing their doors. Rest assured that the lenders I work with have been around for years and will continue to do so. They offer the most competitive lending programs, including FHA loans, that have once again become quite popular due to the decline in the banking industry.
That being said, let me introduce myself. My name is Aaron Westwood and I am a Senior Mortgage Consultant who works for one of the most respected Mortgage Brokers in the industry, Silver Valley Mortgage. This auction is to purchase 1 hour of my time to assist you in answering initial mortgage questions that usually come about in the first stages of obtaining a mortgage. Based on my answers, you can make your decision on whether to allow me to handle your next mortgage. Either way, I will still provide you with a complete credit analysis, discuss different programs that are available and answer any questions you may have.
Of course, before you would want to use my services, let me tell you who we and some of the programs we offer.
SILVER VALLEY MORTGAGE is one of very few "family-owned" mortgage firms. We have 35 years of experience in the mortgage industry and have a mutual distaste for the “Fly-By-Night” companies that have opened in the past few years and misled unknowing individuals.
We service the following states:
AR, CA, CO, CT, DE, FL, IL, IA, KY, MD, MA, MI, MT, NE, NJ, NC, NY, SC, OR, PA, RI, TN, TX, VA, WV, WI.
Some Of The Programs Silver Valley Mortgage Offers:
FHA loans that accept credit scores as low as 540. Excellent government backed program for individuls that have productive jobs but not spotless credit.
95% Bankruptcy Buyouts with a clean payment history since BK inception.
65% Debt Ratio, 620 credit score, with rates still in the 6% range for a 30 year fixed mortgages. This is our most popular 1st time home buyer program. And, rates improve as credit score increases.
1% Interest Rate Loans. - offering 4 monthly pay ment options.
106% seller assist mortgages.
True 103% mortgages (no seller assist needed).
NO-DOC programs (nothing verified, loan based on credit report only, no tax returns, no paystubs, no bank statements).
The ability to secure a mortgage as soon as One Day after declaring bankruptcy.
QUICK credit fix programs using the Rapid Rescore System.
100% LTV with a 600 fico score
400 minimum credit scores home refinances (must have equity in the property and no mortgage lates)
Ability to fund loans using the Co-Borrowers credit score up to 95% LTV
Pay-Off Consumer Credit Counseling.
Foreclosure Bailouts.
Alternative, Limited or No trade lines accepted.
Collections, charge offs and late payments are IGNORED.
Debt Consolidations to catch up on bills, combine payments or prevent bankruptcy.
Little or No money down closing (buyers choice).
Chapter 13 7 buyouts.
Reduce the number of years required to boost your credit and get the best loans.
Service, Service and Service – I personally make sure you understand everything before you sign anything!! I will guide you thru all the steps of purchasing a new home, refinancing a current home and/or paying off old debts, including bankruptcy.
In addition, together we will formulate a plan to improve your credit score as quickly as possible and put your past credit history behind you.
Zero to minimal out of pocket closing expenses.
Guaranteed zero expense to ask questions.
What we do for our financially challenged clients:
Solve Their Current Financial Crisis
Begin stage 1 of rebuilding their credit - Ill detail what steps need to be followed to greatly improve credit scores and what factors effect a credit score.
Help you to purchase that home that you just need to have.
Allow you to access your home's equity to improve your financial situation.
Put more money in your pocket by combining bills
Put an end to having every dollar earned go towards bills.
And most importantly, puts you years ahead of schedule as to when you will qualify for an "A" loan.
We offer the lowest rates available, with the greatest payment flexibility, to borrowers with excellent credit. Show me your best Good Faith Estimate and Ill do my best to beat it.
We also assist individuals who are in the following financial hardships; overwhelmed with debts, accounts placed for collection, tax liens, judgements, bankruptcy or in need of debt consolidation to name the most common. Wether your looking to lower your monthly payments or clear up a financial crisis, we are here to help.
Basically Im offering you some free advice on how to take back control of your credit/financial situation. If you feel as you have been pushed around in the past and left in the dark about decisions you were making, then you need to speak with me for a slow paced, informational conversation on what would be IN YOUR BEST INTEREST, not mine!!
Please don’t hesitate to either call me or ask a question. I can be reached at 1-866-887-7904, or email me by clicking on the "ask the seller a question" link in the top, right hand corner or call my cell at 610-730-3177. REMEMBER, IF YOU USE THE 800# YOU MUST ASK FOR ME. You will have access to me in the evening and on weekends once we have established an initial contact. Silver Valley Mortgage is in excellent standing with the BBB, can be looked up on Dun and Bradstreets website (DNB.com) and are physically located at 1 East Broad St, Bethlehem PA 18018.
Confidentiality assured!!
Thank you for your interest,
Aaron Westwood
** If you are another mortgage professional, please do not contact me in regards to what lenders I use or ask me to buy your leads. I spend a great deal of my time searching for lenders who offer these "hard to find" programs and consider it my personal information. I will only share this information with my clients during the funding process. I welcome all client related calls. **
DISCLAIMER - I have no intention of trying to circumvent E-Bay's fee policy or violate its guidelines so please, if you intend to use our company, please place a bid. I only list my contact information below because there are very few questions that can be answered in only a few sentences. There are usually several options available, all of which need to be personally addressed and would be too lengthy to type. Again, please use my contact information below only if you are considering Silver Valley Mortgage for your financial needs and, if you choose us, promise to bid on this auction or I can list a private auction just for you. All bidders will be sent a questionaire.
* serviced thru Bourdeau Financial and National Future Mortgage .
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