When was the last time your bank guaranteed that you would be approved for a loan or a mortgage?  If you were denied, did they work with you to get you to where you need to be to be approved?  Or did they just send you a letter in the mail?  If this applies to you, then you should know that we will get you approved.

How can we say this? Well, here is how the program works.  If when a borrower first applies for a home mortgage loan (refinance or purchase) and they are not approved (or bankable), we will begin our part of the program - The KMS Plan.

The KMS Plan:  We will review the borrower’s credit in detail to determine the best method of improving their situation.  We will also work out a budget for the monthly expenses to payoff debt, save for reserves, increase down payment funds, or a combination thereof.  Each month for 12 months, we will follow up to make sure that the plan is being followed.

Now, if the KMS Plan is followed exactly as it is laid out to the borrower, we are guaranteeing that the borrower will be elligible for a mortgage loan after the 12 month.  If for any reason the borrower has done exactly what the plan detailed and they are still not bankable, we will continue to work with the borrower until the loan is approved AND we will do it for free.  That means that if the borrower upheld their part and we failed at ours after the 12 month, we will not charge a broker fee or yield spread premium when we do make it to closing.

If you or anyone you know is a candidate for this program, please call 352-308-7219 to get enrolled today or click here to complete the application.