What people say once the loan has closed

Jordan sent three lender quotes side by side with the five-year cost worked out. Nobody else did that. We picked the second cheapest because it closed faster.

We thought assistance was free money. He showed us the rate premium over ten years and we still chose it, but at least we chose it knowing.

Two lenders told me my tax returns killed the deal. Jordan ran the add-backs, found $9,000 of depreciation and got me approved on full documentation.

The reserve requirement at our first bank was eighteen months. Jordan found a desk that wanted six. Same rate, completely different file.

He had the Tidewater response ready before the appraiser called. Three extra sales went over and the value came back at contract.

He talked me out of it the first time. Break-even was 41 months and we were moving in two years. Called me back in October when it actually made sense.

The builder incentive looked huge until we compared it properly. It was worth $2,400 and the rate cost us $5,900 over five years. We took the outside loan.

Closing took a week longer than planned because of a paint repair on the porch. Jordan warned us about it in week one, so at least it was not a surprise.

Two appraisals, an equestrian outbuilding and a partnership K-1. It should have been a nightmare. Tuesday and Friday updates the whole way through.

Nobody had mentioned the Mortgage Credit Certificate to me. It is worth about $1,900 a year on our taxes and it has to be filed with the loan.

He checked the USDA map for the exact address, not the town. Two streets over would not have qualified. Zero down on a house we thought needed 5%.

I asked for a cash-out and he showed me why a second lien was cheaper against my 3.1% first. He made less money on that advice.