Real Estate Professionals...

We know choosing a reliable mortgage partner is a difficult and sometimes impossible task. We feel there are six qualities to consider before selecting your mortgage partner. Why would you expect anything less from someone you are counting on?

Service - Our success and the success of our mutual partners is depicted by our level of service. We think service should be followed after honesty. Without a balance of both, no one wins. We distinguish ourselves from other mortgage companies by providing the highest level of service available for all our clients. We employ the best technology and support available which allows our partners and us more time with each client.

Honesty - You have no credibility if you don’t make honesty a priority. Our mutual partners and personnel will always be honest and upfront. We understand things can change and will disclose these changes as soon as we hear about them. If we all remain upfront and honest, we will be able to provide a lifelong relationship. Honesty is our number 1 quality.

Accessibility - What good are low rates and fees if you can’t get a hold of your broker, agent, title or other personnel working on the loan? Our mutual partners understand this and do their best to be available when you need them. We provide both our realtors and clients with “almost” 24/7 support for updates, using our advanced email system. Email will provide the best after hour response times. We also allow realtors and borrowers to log in to view the status of the loan or receive email updates through our website.

Rates and Fees - Our number 1 goal is to show our clients how they can get the best rates with the lowest fees. We will calculate all factors of the loan, to make sure we compare apples to apples, and get you the best loan. Our advanced technology allows us to shop the loan you seek with up to hundreds of lenders and get a response back within hours, if not minutes. Our lenders quote us their best rates and programs so we can give you a choice.

Marketing and Tools -We provide superior marketing for a lifetime to our mutual partners. We have invested thousands of dollars to obtain the most advanced and user friendly tools to help you succeed. Some of the marketing we utilize sets us apart from the traditional flyers and listing tools. Professionally designed and customized websites that tie into our network is one of our favorite tools. These websites offer an industry leading email marketing campaign that will help you with your referral business, GUARANTEED! We will also provide targeted internet search marketing. This is priceless and here for our partners.

Knowledge / Experience - Our team is of the most educated and knowledgeable in the mortgage industry, marketing and business in general. With extensive training in business, management, finance and service we are confident you won’t find a more versatile broker in the business.

 

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Real estate news:
 
Fannie Mae Preps Investors for Reform. Book of Business Reflects Tight Credit Conditions
7/29/2010 11:31 AM

Posted To: MND NewsWire

In the wake of the passage of Wall Street Reform, which many opponents have criticized Capitol Hill for failing to deal with the future of Fannie Mae and Freddie Mac, the Obama Administration is beginning to present the broad outlines of how the future of the GSEs will be determined. In a letter re...Read More
 
Are HECM Regulators Acting Unethically Toward the Reverse Mortgage Program?
7/29/2010 11:06 AM

Posted To: Community Commentary

I recently spoke on two interesting panels at the American Conference Institute’s two day symposium on Reverse Mortgages. The conference was held at the famed Helmsley Park Lane Hotel in the heart of Manhattan. The conference attracted a virtual who’s w...Read More
 
Final Ruling Issued on SAFE Act; Underwriting Guideline Overlays, Adverse Market Fees and Steep LLPAs; CMBS Sales; California State of Emergency;
7/29/2010 8:51 AM

Posted To: Pipeline Press

On a non-mortgage note, my son asked me, "At what age is it ok to tell a highway that it is adopted? At some point the highway will realize that it doesn't look like the Kiwanis's Club." I would have told him to "keep his day job", except ...Read More
 
Vacancy Rate Near Historic High. America Has a "Home Problem"
7/29/2010 8:33 AM

Posted To: MND NewsWire

As we have pointed out over the last few weeks , America has a homelessness problem; over a million individuals and families are temporarily or chronically homeless. While the statistics don't fully address this aspect, there is at least anecdotal indication that some of these people are in she...Read More
 
The Day Ahead: Moody's Questions U.S. Credit Rating. Bonds Shrug Off News
7/29/2010 7:30 AM

Posted To: MBS Commentary

Equity futures are trading higher this morning despite word from Moody’s that it would have to question America’s triple-A credit rating unless it provides a credible plan to tackle its growing deficit. Steve Hess , a top sovereign debt analyst at Moody’s, said th...Read More
 
Can Mortgage Rates Go Any Lower?
7/28/2010 3:16 PM

Posted To: Mortgage Rate Watch

Well, here we are on "hump day" and mortgage rates are still detached from the price fluctuations of the secondary mortgage market. Instead, the ups and downs of consumer borrowing costs continue to be driven primarily by the capacity constraints of major lenders, the mar...Read More
 
Is There Life After the Mortgage Business?
7/28/2010 2:33 PM

Posted To: The Garrett Watts Report

We all know the mortgage business can be extremely profitable at times. We also know it can be disastrous at other times. Regulators and law makers have created an environment that makes us feel like a pin ball, bouncing aimlessly from one bumper to another Regardless of all th...Read More
 
FHA Ready to Reduce Seller Concessions. HUD Invites Industry Comment Before Implementation
7/28/2010 2:18 PM

Posted To: MND NewsWire

HUD is preparing to implement a few new policies that will no doubt affect your pipeline/loan application process. Last week, HUD and the FHA invited public comment on three of those policy changes, which are part of FHA's strategy to "strengthen their capital reserves". The proposed ...Read More
 
Beige Book: Mixed Reads on Economy. Housing Market Definitely "Sluggish"
7/28/2010 1:24 PM

Posted To: MND NewsWire

The Federal Reserve has released the Beige Book The Beige Book is a compilation of anecdotal information and data on current economic conditions across the country. The findings are NOT THE VIEWS OF FEDERAL RESERVE OFFICIALS ...instead, each Federal Reserve bank interviews key business contacts, ec...Read More
 
MBS Prices Hit New Record High After 5-Year Note Auction
7/28/2010 10:44 AM

Posted To: MBS Commentary

Mortgages are on a serious run... Front-month TBA levels set yet another new record high this morning and yield spreads continued to tighten vs. benchmarks (thx swaps!). While the street more than likely sees the current coupon in the +55/10s range, my weighting on the 4.0 has the ...Read More




16815 S. Desert Foothills Parkway•Suite 140• Phoenix, AZ 85048

(phone) 623.255.1014 • (fax) 623.687.9551 • laura@martellmortgage.com 

 Arizona Mortgage Broker: MB#0906813