Client Wins

Every week we share three stories about how homebuyers and homeowners are achieving their goals with AEM as their partner. Click below to read more.

disabled Veteran contact us recently through one of our Financial Advisors – he brought up that the gentleman was looking for $300,000 due to a financial situation that had come up for him. The Advisor had been recommending a HELOC but fortunately they got the Veteran connected to us and we were able to talk to them about VA financing. We let him know that he and his wife could do a 2.375% interest rate, we could pay all of their closing costs and they could get the $300,000 cash out that they needed. We were able to get that deal closed in about 21-25 days, the Veteran was super happy and promised to refer any friends, family or any other Veterans that he knows back to us.

I first talked with my clients back in June. They were living with their in-laws and had no credit which limited them in making a home purchase. I advised them on how to build a credit profile and four months later they we were able to obtain a credit score, which then enabled them to start looking at homes! Since they were short of funds, I explained FHA financing as a great first-time home-buyer option, and also recommended an offer on the home in which the seller would pay the closing costs, helping them further. With an offer accepted and a closing date in December, our clients will have a very special holiday in their very own home.

My client had tried to refinance numerous times and her loan was rejected by 5 other lenders. When we looked at her income as a self employed tax accountant, her debt to income was over 75%. Our company is known for solving difficult problems when other lenders have turned people away and we did just that. In this case we switched her loan due to her low income and combined a few other resources to get her debt to income ratio down to 49.879%. We researched every possible solution to solve this one!!! When all was said and done, we saved her $3170/mo.

Most recently, I reached out to my client of over 15yrs. who was despondent! She had accumulated a lot of credit cards and her ARM had been reset. Her and her husband make a decent living but close to half of their monthly payments are going to their credit cards and a 1st & 2nd mortgage on their home. We took that amount down by 1/3 by helping her refinance. The most important lesson I took from it was that there are a lot of borrowers out there who simply pay their bills and don’t even consider refinancing because its too overwhelming. As a Loan Advisor, I realized that we have to reach out to provide education as we truly make a difference in our client’s lives.

We had a client close this week who was a woman in her mid-50s with a daughter who was disabled. Our client hadn’t purchased a home previously and we were able to connect her with a special government grant. Soon after, she brought us the rendering to her new home which was so impactful to see and share. Moments like this take the numbers off of the page and humanizes the process. It reminds us why it is we do what we do. We help people achieve a lifelong goal of homeownership.

I was in the process of refinancing a loan for a young woman who had come upon especially hard times. She had a disability that forced her into a fixed income, her aging father was struggling with cancer and within the next few years she would be losing child-support that contributed to her household income.

After crunching some numbers, I found that she would be saving almost $350 per month by refinancing. This young woman’s father then confided in me that he was proud of her but worried about her home when he wasn’t around, so we helped put together a gift from him for $50,000 to buydown her loan further. His 16 year old granddaughter has a 4.6 GPA, and he expressed how proud he was of her too.

Needless to say when his daughter found out what her father did she was beyond words and in tears. Her dad was happy that he could do something now and know she was OK when he left this world. Something all parents hope for. This is the kind of thing that makes me proud to be doing what I do.

Our Loan Advisor was consistently approachable. He was ready to listen to what we had to say and his feedback was very promising. He was on our side the whole time and we never felt like he was trying to sell his service, he was just trying to help us buy a house. Through it all, he worked around the clock to get the job done and he made a complicated process, easy.

My experience with LendUS was simply phenomenal. They paid attention to the details, worked in a timely fashion, produced a great financial package and locked in a super rate for me!

My loan advisor provided loan scenarios and paths for me to consider, making the right mortgage work for me. He was knowledgeable, results oriented, and always available at any time to ask questions. As a bonus he was also patient, kind, and caring! I’m so grateful for his time as his expertise made me confident in my decisions. Now I own a home!

Our client reached out wondering how to pay-off some high interest debts, make improvements to her kitchen, bathrooms and floors, and remove her mom from the loan, making herself fully responsible. We knew we could accomplish all of those financial goals through a cash-out refi so together we started the process. It was her first independent real estate transaction, but with our help guiding her she came back excited and grateful.

“Thank you sooo much for all of your time, hard work and patience! I can't believe all that you and your team has done to make this possible for me. It has been an absolute pleasure working with you, and I look forward to doing business with you again one day!”

Being a first-time homebuyer during retirement, and on a limited income, I thought I would not be able to purchase the home I had set my eyes on. As we went through the process the appraisal came in short, which then turned into a two-week conversation asking for their reconsideration.

Unfortunately, the seller would not budge on the listing price and I was sure it would fall through. My loan advisor, along with my real estate agents, helped me gather gift funds from my family, as well as lender and realtor credits so I would be able to close. I appreciate you ALL, on both the Realtor and Mortgage teams! Though it got to be hectic and a bit nuts at times, somehow you got me through.

This win is probably the hardest loan I have ever done. It took a lot of people within our team to make it happen on a property with strong Fannie Mae guidelines. I had the help of my amazing branch manager, wonderful underwriting on the file, and our Operations Manager, Aaron Pitterman, fighting in the background with FNMA to ensure we could deliver the loan to them, AND get PMI approval, AND the support from the Chief Appraiser. It was a three week battle. Finally, on a Friday, we funded and recorded this loan for our client!

This is a prime example of why I love our team – Can Do, Will Do! I am so grateful for their help and support.

Our team’s win started as a pitch to a real estate agent that we had not worked with previously. She had another mortgage lender that she was more familiar with, but I was able to convey how our team was the better choice. It was a competitive bid!

Once they chose to work with us, the homebuyer was quick and submitted a 100% completed file and it rolled forward quickly from there. Our Realtor partner reached out afterward to say: “You and your team were fantastic! I appreciate being “you” since communication and urgency are key for me too. You got it done in 18 days! I definitely look forward to working with you again!

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