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About Us
Rainier Pacific Mortgage is a licensed
mortgage broker in the State of Washington
(License
No. 510-MB-20492). Rainier Pacific offers the loan products of over 20 different lenders, both regional and national. Rainier Pacific Mortgage is dedicated to success through high quality customer service and competitive loan products. To do this, we make the following commitments to you:
- We will provide quality service to each and every customer.
- We will be helpful and courteous, and treat you with the dignity and respect
that you deserve.
- We will do everything possible to make financing your home a pleasant experience.
- We will update you on the status of your loan on a weekly basis during processing.
- We will provide closing figures to you at least 24 hours before the scheduled closing time upon request.
- We will help you find the right mortgage program for you. We will explain what is available and answer all of your questions to help you be comfortable and informed during this major decision process.
Why
Rainier Pacific Mortgage is Your #1 Source for Loans
Below are a few reasons why Rainier Pacific Mortgage is your #1 source for loans.
- Price
Many Lenders use the services of Mortgage Brokers to perform what is know as the "Origination" of the loan -- to meet with and pre-qualify the Borrower, complete the loan application, verify income, assets, credit and property aspects of the loan, and then provide it to them for funding. For performing this function, the Lenders give the Mortgage Broker a wholesale cost, a cost that allows your Mortgage Broker to always be competitive with those Lenders that utilize their own staff to perform the function of the Mortgage Broker. It does not cost more to use the services of a Mortgage Broker.
- Service
Your Mortgage Broker knows that the financing they provide has a third ingredient beyond rate and fees: timely performance. The Mortgage Broker has an intense desire to honor their commitment to provide financing requested in a timely manner, for to do so gives them the lifeblood of their industry -- loan referrals from satisfied brokers and borrowers. The Mortgage Broker is committed to customer satisfaction.
- Selection
If you were to apply for a loan from a Lender directly, the Lender would do what Lenders always do -- make you fit their program. Your Mortgage Broker receives rate quotes daily from Wholesale Lenders, both local and across the country, with hundreds of different programs and loan approval criteria. Your Mortgage Broker, as the representative of the Borrower and not the Lender, then finds the program to meet the needs of the Borrower -- the only real way to get the "Best Loan". Mortgage Brokers represent the Borrower, not the Loan Program.
- Protection
Interest Rates change daily, and your Mortgage Broker can provide the Borrower the safest loan available. The Borrower can, under most programs, choose to obtain a letter of commitment from the Mortgage Broker at initial application that will insure that the rate being offered will be available at the close of escrow (requires signed purchase and sale agreement for commitment). The Mortgage Broker protects the Borrower.
- Professionals
The world of mortgage finance is a world of constant change. Your local Mortgage Broker is dedicated to keeping up with this change to provide the maximum professional service to their clients. This dedication is based on the belief that professionalism is only achieved by having the correct blend of product knowledge, people knowledge, and an intense commitment to customer satisfaction. Mortgage Brokers are real professionals.
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