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"We were interested in refinancing our adjustable rate mortgage before it jumped from 8.375% to 11%. Because of past credit problems, delinquent accounts and current chapter 13 filing, we were told to clean up our credit and come back next year. Then along came Brian. With his perseverance and endless funding resources, he delivered to us the refinancing that everyone else couldn’t or wouldn’t. Our interest rate dropped to 7.75%, our debts were all paid and we were on our way to re-establishing ourselves back to an A credit. Everything Brian said he would do, he did! We now have ourselves our own mortgage consultant…for life
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Home Loan Consultant (HLC) Objectives
- Gain a complete understanding of client needs and financial status
- Build relationship of trust
- Always consider more than one solution and present at least two to the client
- Always explain pros and cons of each solution
- Rank solutions for the client
- Ranking should never be guided by your or EquiNest compensation but rather by what client needs and what is best for them
- Keep abreast of all rules and regulations. Always comply with all laws. Report any issues or concerns to management or compliance officer
- Your primary reward is a satisfied client, which will bring referrals and more business in the future
- Always thank client for their business and trust
- Be forthcoming in explaining to client all issues (e.g. appraisal etc.)
- If we cannot help them, always treat each customer with respect and dignity
- Our company exists to help people; conduct business in a fair manner; never do anything that will lead EquiNest to have bad name
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