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Tuesday, 20 March 2018 16:17

Aggressive and Dishonest Lenders

Many borrowers come to Indigo Mortgage and tell us that they are constantly bombarded with solicitations from large out-of-state lenders. When consumer credit report agencies like Equifax, Transunion and Experion pull credit reports, they automatically sell borrower’s information to lenders nationwide. Many of these big lenders take this information and use it to contact people out of the blue, and their approach is sometimes pushy.

In one extreme case, a lender contacted a borrower offering a loan with a very low fixed rate. Before he knew it, the lender had sent an appraiser to his home. Other lenders were calling him every hour. Interestingly, while the lender was offering was a low interest rate, there were over $11,000 in hidden closing costs! This refinance would have cost our borrower thousands of dollars, and it wouldn’t have improved his situation at all. We advise our borrowers never to use a lender that contacts them out of the blue.

Sadly, this is something that many of our customers have experienced before coming to Indigo Mortgage. Unlike large out-of-state lenders, local brokers like Indigo Mortgage care about you and your loan. We are nearby, so we are always available to thoroughly answer any questions you might have about your loan. When you work with Indigo Mortgage, you work with the same person throughout the entire loan process, no call centers, no ever-changing customer service representative. At Indigo Mortgage, we value education, and we do our best to make sure you have as much helpful information as possible when you’re shopping for a mortgage.

Published in Blog
Tuesday, 27 February 2018 22:19

Reverse Mortgage Education

Most seniors have seen the ads on television, received the emails or the postcards in the mail. Advertisements for reverse mortgages are everywhere. At Indigo Mortgage, unlike large national lenders or big banks, we advise caution for seniors considering reverse mortgages. We know that there are many factors to take into account and many questions to ask before deciding if a reverse mortgage is right for you.

Indigo mortgage cares about your mortgage. We never want our customers to enter into a loan that isn’t right for them. It is important that seniors have the opportunity to ask as many questions as they need because reverse mortgages are so different from other types of mortgages. That’s why when seniors approach us with questions about reverse mortgages, we take great care in making sure they know exactly what to expect. We even require our customers to go through a counseling session with an FHA approved reverse mortgage counselor. The counselor is not affiliated with Indigo Mortgage or any other lender, their goal is simply to educate.

Our approach to reverse mortgages is very different from national lenders or online companies. When you work with Indigo Mortgage, your personal loan officer is local. We’re here for you, available for a phone call or a face-to-face conversation whenever you need. In contrast, many large out-of-state lenders do not take time to answer questions directly, and often you are not able talk to the same person throughout the loan process. We encourage you to contact a local mortgage broker like Indigo Mortgage for more information about reverse mortgages.

Published in Blog
Friday, 15 April 2016 15:26

KKOB on April 12

Indigo Mortgage: True Local Mortgage Company

Published in Radio

Most people have seen advertisements by now for mortgage companies promoting 100%-online mortgages without any human interaction. On the surface, this may seem an easy way to acquire a mortgage, but getting a mortgage isn’t like buying a pair of shoes.

Published in Blog
Tuesday, 02 February 2016 23:06

KKOB on February 2nd

Local Mortgage Lenders Offer Better Service, Lower Rates

Published in Radio
Tuesday, 02 February 2016 22:51

Benefits of a Local Mortgage Lender

Currently, borrowers have many options when searching for a lender to meet their purchase or refinance needs. Many borrowers believe large, national lenders can provide the best rates and service, but that simply isn’t the case. It’s a good idea to use a local mortgage lender like Indigo Mortgage.

Published in Blog
Tuesday, 01 December 2015 00:00

KKOB on December 1

Benefit of a Local Mortgage Company

Published in Radio

Applying for a mortgage is a huge step in a person’s life. Many prospective homebuyers have never filled out a mortgage loan application before or have not done so for quite some time. After the changes to the mortgage industry in 2009, potential borrowers might feel uneasy about applying for a mortgage loan.

Published in Blog
Tuesday, 04 August 2015 00:00

Indigo Mortgage Finds Loans for Businesses

Commercial Lending Under $500,000 is difficult to obtain. Indigo Mortgage has lending options to help.

Published in Blog
Thursday, 30 July 2015 20:55

CFPB Website Full of Complaints

Mortgage Loan horror stories and complaints populate the Consumer Financial Protection Bureau's website. So, what can you do to protect yourself during the lending process?

Published in Blog
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