Helping Clients for the Life of Their Mortgage
Five years ago, I had the privilege of helping a client purchase their home. Recently, as part of my ongoing commitment to client care, I reached out to them. Their mortgage was coming up for renewal in 120 days. Reaching out early allows us to lock in renewal terms ahead of potential rate changes. This ensures my clients are always in the best position—whether rates rise or fall.

Addressing Challenges with Lenders
During our conversation, my client revealed their lender had declined their request to refinance. This news left them understandably frustrated. I assured them I would explore every possible solution to help secure their refinancing at renewal.

Finding a Path Forward
After a detailed review of their situation, I identified a special rate offered by their current lender. Despite their initial refusal, there was still an opportunity. By restructuring their application and explaining their business income in detail to the underwriter, I was able to get the refinance approved.

A Win for My Client
This was a significant victory for my client. They were thrilled to secure a competitive rate with the same lender who had previously turned them down.

Why Working with an Expert Matters
This experience highlights a crucial question: Are you working with an expert or just someone who “does the job”? Success often depends on knowledge, creativity, strong lender relationships, and persistence. When it comes to major financial decisions like mortgages, partnering with a professional committed to excellence can make all the difference.

Expertise Across All Fields
This principle applies beyond the mortgage industry. Whether in finance or any other field, working with an expert is key to achieving the best results.

Need Mortgage Advice?
If you have questions about your mortgage or need guidance, I’m here to help.

📧 Zachary@BayTeamMB.com