Thursday, October 14, 2021

Sharing 8 steps to refinance your home mortgage

Sharing with you these 8 steps to refinance your home mortgage.

1. Refinance application
2. Get a pre-approval
3. Discover your best loan option that fits your needs with your loan officer
4. Documentation
5. Appraisal
6. Processing
7. Underwriting
8. Clear To Close

Congratulations, you have refinanced your mortgage and possibly saved thousands of Dollars!

Get in touch with our team of expert loan officers to help you throughout the home refinance process.

Click here to start the process today!

© Copyright All Rights Reserved Affiliated Mortgage a division of Epoch Lending, LLC NMLS# 1816421

Developed and designed by https://blairallenagency.com

The post Sharing 8 steps to refinance your home mortgage appeared first on Affiliated Mortgage.

Thursday, October 7, 2021

See what our customers have to say about us

Great feedback from our customers motivates us to do better every day. Affiliated mortgage takes pride in the fact that we keep our customers as our topmost priority.

We have more than 15 years of experience in mortgages and thousands of satisfied customers.

We would love to help you with your home purchase and home refinance process.

To start your refinance process with us, Click here!

To start your home purchase process with us, Click here!

© Copyright All Rights Reserved Affiliated Mortgage a division of Epoch Lending, LLC NMLS# 1816421

Developed and designed by https://blairallenagency.com

The post See what our customers have to say about us appeared first on Affiliated Mortgage.

Wednesday, October 6, 2021

Rates might be going up sooner than expected

The Federal Reserve is a huge buyer of mortgage-backed securities that helps to stabilize the market and keep the interest rates low. In a recent meeting, the Federal Reserve indicated to reduce these purchases in the future which would potentially result in higher interest rates.

It’s time to refinance your home before it’s too late.

To start your home refinance process, Click here!

© Copyright All Rights Reserved Affiliated Mortgage a division of Epoch Lending, LLC NMLS# 1816421

Developed and designed by https://blairallenagency.com

The post Rates might be going up sooner than expected appeared first on Affiliated Mortgage.

Tuesday, October 5, 2021

Welcome Trent Gonzalez to Affiliated Mortgage

Trent Gonzalez Joins Affiliated Mortgage as a Loan Originator

Affiliated Mortgage is excited to welcome Loan Originator Trent Gonzalez to its team.

Rapid City, SD – Trent Gonzalez has joined the Affiliated Mortgage team as a Loan Originator. He is a licensed (NMLS # 2148967) mortgage loan officer in South Dakota. 

He was born in Wyoming but mostly grew up in the Southern Hills area (Hill City, and Custer). He went to college at Black Hills State University and graduated with a Bachelor’s degree in political science and sociology.

“I have vast experience in customer service, sales, and government. I was an appraiser for Pennington County for about 5 years. I am excited to bring all of my professional experience to help you make the best mortgage decisions. For the last year and a half, I have been working as a mortgage loan processor and loan assistant. I am excited to help you with the purchase of your new home, next home, or with home refinance. If you have any questions please do not hesitate to contact me.” said Trent Gonzalez, Loan Originator at Affiliated Mortgage. 

“We are very excited to have Trent Gonzalez with us on our team. We are confident about his rich expertise in delivering exceptional customer experience. Trent would definitely help us live up to our mission of serving our homebuyers and home refinance clients to find the right mortgage solution.”, said Troy Trombetta, Branch Manager at Affiliated Mortgage.

Trent and his family now reside in Rapid City. He has two kids and a dog and loves spending time in the black hills. As a family man, he knows how important it is for families to find the right home so that they can live their best life. 

Affiliated Mortgage is a trusted mortgage lender that provides home purchase and home refinance loans at killer rates. The company is known for its superior customer experience and technology-enabled processes that enable the customers to pre-qualify quickly. The whole Affiliated Mortgage team stands by its commitment to providing its clients with the best mortgage solutions possible. Affiliated Mortgage’s new website has advanced tools so that you can get any information regarding the home loan or refinance process.

Trent would love to help you refinance your existing home or purchase a new home.

Fill out the form and book a free consultation.

© Copyright All Rights Reserved Affiliated Mortgage a division of Epoch Lending, LLC NMLS# 1816421

Developed and designed by https://blairallenagency.com

The post Welcome Trent Gonzalez to Affiliated Mortgage appeared first on Affiliated Mortgage.

Friday, October 1, 2021

Local mortgage lender transforms and simplifies home-buying process, moves to national stage

A rural mortgage company from South Dakota has simplified the home-buying process for borrowers as it transformed itself into a player on the national stage. All the while, the firm has retained the personal approach to home financing it has offered from the very beginning.

Affiliated Mortgage of Rapid City is using automation and digital technology to simplify the home-buying process, said Jason Blair, founder and CEO of Blair Allen Corp., a digital marketing automation company that handles marketing and software for Affiliated Mortgage. At the same time, Affiliated expanded its services across the country by becoming a partner with Epoch Lending of Philadelphia, which affords Affiliated Mortgage the opportunity to do business nationally.

Affiliated offers a variety of home mortgages including jumbo mortgages, adjustable-rate mortgages, conventional mortgages, FHA home loans, VA mortgages and USDAs. Services are also available for refinancing homes or purchasing rental property.

The company, which has processed billions of dollars in loans to thousands of clients through the 18 years it’s been in business, is “disrupting” the way business is done in the mortgage industry, Blair said.

He continues that what he thinks is very interesting about the vision of Affiliated Mortgage is that they’ve taken on some of the biggest challenges around the lending process itself, like acquiring customers, communicating with them and taking them through the mortgage process.

Digital revolution

Embracing what’s called the “Fourth Industrial Revolution,” also known as the digital revolution, that has transformed many facets of business, Affiliated branch manager Troy Trombetta embarked on a mission to simplify the mortgage process through the use of automation and digital technology.

Blair called Trombetta an “innovative mortgage lender who realizes the industry is challenged and also recognized the digital revolution is changing the way customers interact. He wanted to go out and do something about it.”

Trombetta uses cutting-edge technology in a variety of ways. For example, he uses an automated customer relations management system that ensures all customers get a response within three minutes of entering a request form.

And he uses technology to gain new customers.

“Acquiring customers is very hard,” Blair said. “Troy has built a lot of syndication tools to distribute blog content into various social platforms and direct people back onto his website.”

Technology also enables borrowers to get the right loan program at the right time, he added.

Troy was asked what’s next for Affiliated Mortgage? “It’s always been about improving the way we can help customers refinance their existing home or purchase their new dream home. Technology has given us a broader reach and helped us to make the customer journey more pleasant said Trombetta.  Now we get to do it in a better more expansive way.”

“Cheaper, quicker, more efficient”

Affiliated Mortgage realized before the Fourth Industrial Revolution that the industry is very complex. “It’s tedious, it’s expensive, it’s never been customer efficient,” Blair said.

Anyone who has ever purchased a house knows that’s true.

The whole process is complex, with many different types of loan programs and ever-changing regulations ,” Blair said. “Lots of things have to go into a mortgage — appraisals and inspections, title searches, taxes, the underwriting process. It’s overwhelming, which makes it super important that you hire a seasoned expert.

Mortgages also have a lot of working parts — interest rates, down payments, origination fees, points and more. “The goal is to take this overwhelming process and make it simple,” Blair said.

And they did. They made the process “cheaper, quicker and more efficient,” he adds. “Affiliated Mortgage makes sure that its customers understand everything about their mortgage process.”

In simplifying the mortgage process, the company more than doubled the dollar amount of loans it does in two short years.

But Trombetta’s goal in maximizing the company’s use of technology wasn’t to get more revenue or more business, Blair said.

“His goal was to invent, create and deliver technology to enable customers to get through the mortgage process more quickly and more cheaply,” he said.

The broker path

In addition to using technology enhancements, Affiliated Mortgage pulled away from being a direct lender and is going down the path of being a mortgage broker, Blair said.

A big advantage a mortgage broker has over a bank or a direct lender is the direct lender has only one rate for the underwriting process, and they really can’t compete with private investors, he said.

However, most mortgage brokers work with a variety of lenders, including banks, credit unions and private mortgage companies, allowing them to offer the buyer a wider range of choices.

With a direct lender, the purchaser gets the rate offered to them. But in its expanded business as a mortgage broker, Affiliated Mortgage can “put the mortgage out there like an auction for investors to bid on it and compete for it,” he added.

“The value of being a broker organization is you establish relationships with both private investors and lending institutions around the United States,” Blair said. “That gives you the leverage to let them compete to give the consumer the best price.”

It’s always about little to no fees, better rates and the best prices, he said. “And now a local organization is all of a sudden national, and they have the ability to compete and outdo their competitors,” he said.

Affiliated Mortgage is no longer just serving the Black Hills area, but also Montana, Wyoming, Arizona and Colorado, as well as other states. They now have a portfolio of investors. Instead of being licensed in six or seven states, they can do business nationally and get better rates.

“By doing business in many states, it’s no longer about ‘you go to your local institution, and they tell you what you’re getting,’” Blair said. “When you have the ability to have multiple investors competing for your business and you can do business in many states, you’re going to get the best price.”

And by adding more potential lenders to the mix, the company can focus on its motto: “All roads lead to a closing,” Blair said.

“The Fourth Industrial Revolution has given the buyer more choices,” he said. “There are no longer barriers and borders to prohibit you from having an opportunity to do business with anyone you want, to get what you want.” That translates into the best rates and terms possible for the buyer, he added.

Personalized customer service

Growth gives mortgage brokers more access to money to lend, but that also means, like other large institutional organizations, they have the tendency to sacrifice customer service, Blair said.

“You’re no longer a boutique firm,” he added. “But Affiliated Mortgage prides itself on delivering the same white glove service it has always given while now being a nationally competitive lender.”

Dealing with a broker means customers have more access to the system, Blair said.

They’re not bankers, he said. “The difference between a mortgage banker and a mortgage broker is a banker works 8 to 5 or 9 to 5. A mortgage broker is basically working 24/7/365. That’s how they provide that personalized boutique service.”

But with the growth that came with streamlining the procedure, Affiliated Mortgage does not want to dilute their service in the process, Blair said.

“National lenders are competitive, which is why people go to them. But the problem is if I go to a large national mortgage lender, I start off talking to somebody, then I talk to somebody else and I talk to somebody else and then I talk to somebody else. By the time I actually close on my loan, I’ve talked to five different people. I never finish with the same person that I start with.

“You have a warehouse of people who start the process and then hand it off to somebody else and then hand off to somebody else (again), so you’re in an assembly line. That doesn’t happen at Affiliated Mortgage,” Blair said. They want to create personalized customer service that can compete on the national stage.

With Epoch Lending, Affiliated Mortgage is ultimately going to provide a better customer experience and a better end result for the customer regardless of whether they are in Illinois, Florida, South Dakota, Arizona or Colorado, he said.

Evan Wade, president of Epoch Lending was asked, ‘Why did you partner with Affiliated Mortgage when there are so many mortgage companies out there?’ He stated, “It was a simple decision when we met Troy and his team and saw how he was transforming the mortgage industry one customer at a time. We had to be part of this story,” said Wade. “We have great plans to hire more branch managers and experts across the United States who want to adopt our innovative technologies. After all, our mission is to hire the best mortgage professionals and continue to build technologies that improve the way customer’s receive a mortgage.”

Leads and loans

Unlike some other sectors, the mortgage industry has never talked about improving the customer experience, Blair said.

“The mortgage industry hasn’t really thought about that. It’s been about loans and leads, leads and loans — get more leads so you can do more loans.”

Affiliated Mortgage is unique in focusing on improving the process for the customer, Blair said.


SOURCE: By Kathie Sutin, Brand Ave. Studios, originally published here – https://bit.ly/3Fks4Ho

Contact us at (605) 718-9820 or schedule a call and let our mortgage experts help you with your home loan.

SCHEDULE A FREE CONSULTATION

© Copyright All Rights Reserved Affiliated Mortgage a division of Epoch Lending, LLC NMLS# 1816421

Developed and designed by https://blairallenagency.com

The post Local mortgage lender transforms and simplifies home-buying process, moves to national stage appeared first on Affiliated Mortgage.

Thursday, September 30, 2021

Buy a house, Call it a home

Are you ready to buy a new house to call it your home?
Owning a home can have huge advantages such as:

– You’ll build up home equity instead of wasting your money on rent

– Gain ultimate freedom and stability as you won’t have to rely on your landlord’s decisions

– Fixed monthly payments (no fluctuations in payments)

– Freedom to create and re-create your dream house

– Pre-Qualify for a home loan process today!

© Copyright All Rights Reserved Affiliated Mortgage a division of Epoch Lending, LLC NMLS# 1816421

Developed and designed by https://blairallenagency.com

The post Buy a house, Call it a home appeared first on Affiliated Mortgage.