At CFL Mortgage we strive to set ourselves apart from the competition by taking a different approach to the mortgage process, beginning at application and continuing years after closing.

Application – A couple years ago a study was released that ranked the top forms US consumers found most difficult to complete.  The Uniform Residential Loan Application (or 1003 as it is also called) ranked at #2.  For this reason, we created our own version that is more user-friendly.  This form, along with our Mortgage Planning Questionnaire, is the basis our Mortgage Consultants use to structure the loan consultation.

Consultation – The loan consultation is an important step in the process, which is the reason we prefer to meet with all of our clients in person.  We’re people people; we like to see our clients face to face so we can get to know them and establish a relationship because we view that as an important part of our commitment to service.  When clients come to our office for a loan consultation, we present two or three mortgage options that fit their specific financial goals and objectives.  Whether your focus is on building equity, having maximum cash flow, or paying off your mortgage as soon as possible, our Mortgage Consultants will discuss all of your options allowing you to make an informed financial decision regarding your mortgage.  Most often, we present our clients with a Total Cost Analysis in addition to the standard Good Faith Estimate most lenders provide.  The Total Cost Analysis compares each loan option we present to our clients, side by side, so they can see the benefits and potential drawbacks of each loan over a number of years.

At CFL Mortgage, we view your loan as tool to gaining long-term wealth, not simply as means to an end. 

The Road to Closing – The most important attribute that sets mortgage bankers (such as CFL) apart from brokers is having complete control over the loan process.  Every department of our organization - origination, underwriting, processing and closing work closely together to get loans closed quickly and exceed our clients’ expectations by delivering world-class service.  As the loan is submitted to the Underwriting department, our Client Service Manager, Betsy Shearer, works diligently executing our in-process touch points to ensure a smooth process for everyone involved.  In addition to weekly updates on the loan’s status, our touch point system includes notifications regarding the appraisal, insurance, closing, final approval and package delivery to the attorney’s office.  We designed this system so that none of our clients or business associates are left “in the dark” when it comes to the progress of their mortgage.

After Closing – Here’s a startling statistic: over 80% of homeowners don’t know who their lender is.  At CFL, we strive for our clients to never become part of that 80%.  We stand for ‘Client For Life’ for a reason.  At CFL, our goal is to form a relationship with all of our clients so that we become the lender they consistently depend on for all of their mortgage financing needs.  Furthermore, we hope to provide such excellent service that our clients not only feel comfortable referring their friends, family and co-workers to us, but compelled to do so, knowing that they could not possibly find better service elsewhere.  In the words of President and Founder Mike Brosmith,

“A referral is sending someone you care about to someone you trust.  Our goal is to earn your trust and referrals.”

Thank you for taking the time to read a little more about CFL Mortgage.  We look forward to the opportunity to speak with you soon.