The Top 4 Reasons Arbor Mortgage is the #1 FHA Lender in West Michigan

1.) Communication:  One of the top complaints in the mortgage industry is that people "can't get a return phone call."  Adrian Tavolacci at Arbor Mortgage makes communication his top priority.  If you're working with Adrian on your loan, you will receive consistent communication throughout the loan process.  If Adrian is meeting with a client, your call will be returned by the end of the next business day.  You can get answers to your questions by calling Adrian's direct line at 616-575-6965 or email for a pre-application consultation. 

2.) Interest Rates:  Rate is incredibly important, which is why Arbor mortgage provides rates that beat the national average.  Many of our best clients started with Arbor because of our competitive pricing AND our advice with market movement to lock at the perfect time.  A frequent mistake is to view rate as the end goal. (or APR - Click here for more info on that)  Your end goal should incorporate your entire financial plan, which will include:

a. Length of time in your home.  When are you going to move? Sometimes, the lowest rate only works best if you stay in your home more than a certain number of years. You need to know what that number is, and it often conflicts with lowest rate.

b. Tax planning.  I know - this isn’t something you normally think about when shopping for a mortgage. Maybe it should be. Tax dollars are real dollars. You spend them or get them refunded back depending on the rest of your financial decisions. Your home loan is often your biggest tax deduction. You should consider tax planning when choosing your lender and your rate.

c. Daily market movement. I’ll bet you already knew this, but rates change. In fact, you may be reading this because rates are different now than they were last year or the year before. Do you know why? Even more importantly, does your loan officer know why? Call or email for a detailed explanation, but if you are shopping for rates and the loan officer doesn’t know why or when they’re going to change, how good are the odds that you will be able to lock or float your rate at the appropriate time? Adrian Tavolacci at Arbor Mortgage is a fanatic with tracking Fannie Mae bonds and interpreting candlestick charts and trends. Why should you care? Because propert lock timing could means thousands of dollars of your money over time, and you deserve to have a financial professional on your team.

d. Here is a good rule of thumb. If you’re shopping for a mortgage and calling multiple places, start after 10:30 am when rates are issued for the day, and call everywhere the same day. The next day opens with a different market and your comparisons go out the window. Contact me more information about how to shop around properly.  My direct line is 616-575-6965, or you can email me with subject line "HOW TO SHOP."

3.) Smooth Process: Your loan process needs to be dialed in, because if it’s NOT, here is what happens: 

a. You lose your lock. If you choose a lender who can’t control the loan process, your lock (and that great rate they promised) is expired and out the window.

b. You lose your bid. If you’re buying a home, the 2^nd bidder might swoop in and take the home right out from under you. Closing on time is crucial.

c. It gets expensive. You can extend your lock in most cases, but this could cost up to ½ point in fees… That’s $500 on a $100,000 loan. You may ALSO be required to pay fees to the seller of the home if you don’t make the close date on a purchase! Double whammy!

d. ARBOR MORTGAGE has the process perfected. Your loan officer, production partner, processor, underwriter, and closer are right here in the same building. Huge banks send their files away to be processed and underwritten, often in another state. Brokers also send their files away to be underwritten. It’s impossible for your loan officer to monitor your file if your file is off in another state. This is one of the key reasons why we’re the #1 FHA lender in West Michigan, and a leading lender across all of Michigan and Indiana.

4.) Integrity: This point is simple, yet profound. As a valued client at Arbor Mortgage, with Adrian Tavolacci handling your home loan, you will always receive accurate information designed to make a positive impact on your finances. Our membership in the Better Business Bureau, along with testimonials from thousands of satisfied clients speaks for us. Call Adrian Tavolacci today at 616-575-6965 for email for a pre-application consultation.