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The Mortgage Industry Today: What's Going On?
Lately, the news about the state of the mortgage industry has been dismal. Almost every day you see headlines and news features about the “sub-prime collapse” and “record foreclosures,” and you may be wondering what impact it will have on you.
While it’s true that the mortgage industry is undergoing a major adjustment, and the current climate may continue for some time into the future, it’s important to note that interest rates are still at historically low levels. Borrowers are still getting great, competitive mortgage loans every day. Granted, the criteria for securing a loan has tightened as lenders are being more conservative about the types of loans they will underwrite and how much risk they’ll accept. Certain types of loan products are no longer available- and the list changes every day. It’s almost impossible to get a loan with no money down and no income verification, which may actually be a good thing to come out of all this turmoil! And, another positive result of the mortgage upheaval is that there are some excellent opportunities to purchase homes at great prices all across the country. If you’re a first-time homebuyer with a good credit score and at least a 3% down payment, you are really in the midst of the best market in years!
Today, you, as the borrower, need to be better educated. You need a professional who can help you to be realistic about your budget. With all this change and turbulence in the mortgage lending market, it’s more important than ever to be well informed and to have a proven, conscientious, licensed professional like Kevin Flannery handling your borrowing needs.
Since 1992, he’s been helping people from coast to coast, finance new homes and refinance existing homes and has been recognized as one on our nation’s top 200! His current clients will tell you that he takes the time to understand your goals and then finds the best loans available. He and his team provide the very best in personal service. With great rates, low cost, and ‘hands-on’ client service, virtually 98% of his business comes from current, happy client referrals. He recognized years ago that if he can help his clients find a mortgage product to suit their needs, they’d be glad to recommend him to others.
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Please navigate the website to learn more about Kevin, what he and his team can do for you, and how easy it is to get started.
Testimonials:
"Kevin always has the best rates, lowest closing costs, and provides the best service. He keeps us informed through the whole process. We're always glad to work with him...and he has the best sense of humor!"
D. Savastio, Portland, Oregon
"Kevin Flannery is incredibly responsive and friendly. He made the process go smoothly and easily, as he was always clear about what he needed and when. Both times we used him, I shopped around for better deals and both times other mortgage brokers were surprised at the deal he got for us."
R. Main, Boston, Massachusetts
"We went back and forth with several companies. Ultimately, no one could match the rates that Kevin got for us. During the process, he was very helpful, explaining the things that we didn't understand, offering tips, and was even willing to work with our attorney, instead of his, to save money."
C. Carpenter, Medfield, Massachusetts
  
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