Topaz Mortgage is a mortgage broker. This tagline, “Industry Experts That Care” was created as a result of my 11 years working for the banks. While working for the banks, they always said I cared too much about my clients. They were more focused on getting the next application. I disagreed with their business philosophy and started a company where the clients would always be the center of our attention. Our clients continue to choose Topaz Mortgage for the personal attention they receive while benefiting from lowest rates in the area.
At Topaz, you will work with professionals who are experts in the industry. In my experience with helping clients who had a difficult time getting approved from there bank, it was due to the Mortgage originator and loan processors being inexperienced. Professionals who are unable or unwilling obtain their own mortgage broker /lender license are protected by the FDIC license through the banks. That means these professionals only need to register with the national mortgage licensing system. I have seen multiple scenarios of clients being declined at the banks and because of their lack of expertise and willingness to move on to the next client easily. We go the extra mile to care for each client’s case and we are able to solve the problems that create barriers at the banks. And finally, we believe in following the regulations that protect you, the client. Before the industry was reformed in 2008, banks were able to lobby congress and accuse mortgage brokers/lenders for being inexperienced with no regulations. Today, the banking and mortgage industries have new laws and regulations. I feel we can conduct business today with integrity and secure loans that make sense for our clients. It is a true honor to do business now.
Topaz Mortgage wants to earn your business. After receiving an exact quote from us, we invite you to shop with the banks. Banks have heavy marketing budgets for branding and their focus is on production and statistics. To prevent from falling victim to marketing schemes, our advice is shop your mortgage loan with at least one bank, one lender, and one broker before giving anyone your application. They should be able to base their quotes on your current loan scenario, using a credit score estimate of 740 or higher. Should the selected company pull your credit report and your scores are below 740, you can always call back all those mortgage originators and let them know to quote you using the new credit score. The benefits are not only getting you the best deal to eliminate that serial refinancing mortgage originator, but will give you the opportunity to see who calls you back in time and who really wants to earn your business. You will be surprised with the results.
Mortgage brokers understand the importance of their clients. We know without them, we would not be in business. When you contact us with a question, or concern, you get a call back with an answer.
Thank you for choosing Topaz Mortgage. Industry Experts That Care.
