Reasons to trust Mark Hammond with your loan:

*14 years experience brokering loans
*Former head of Alternative lending over Utah for Wells Fargo Home Mortgage
*He's a creative pro at structuring loans for best possible results
*He runs his business like a pro, with follow up and service after the closing for years to  
  come.
*He's a really good singer and guitar player, he may sing you a song on the phone;)
*He's a credit expert - He knows how to turn people's credit around
*Closings will go smoothly and he will be there
*He's accountable and accepts responsibility
*He knows the market - what CAN be done, and what CAN'T
*He's a home equity line specialist - Beats banks on rates & costs (usually none)
*Professional website full of valuable info, testimonials, and convenient 24/7 on-line application
*30-40 wholesale lender relationships
*He has two professional experienced processors
*He's a mortgage broker, which is better than a bank

* Brokers have better rates because they get them wholesale vs banks' retail rates
* Brokers have every company in the industry at their fingertips.  Banks have only their own loan programs.  Brokers can find you better terms and rates because they can shop dozens of lending companies.
* Brokers usually have less overhead than banks and therefore can have lower fees, and there are NO extra fees that only brokers charge.
* Brokers are tested and licensed with the state and kept up to date on things through mandatory continuing education (bank loan officers are not licensed and are not required to complete any continuing education)
* When Mark worked for a large bank, management told the loan officers "if we had the lowest rates we wouldn't need you guys" (meaning the loan officers).  Banks use their "trusting" banking relationship to charge higher rates to their customers.

Mark actually does shop your loan to the top companies with the lowest rates on that day.  "You might wind up with a shark if you don't call 808-MARK."   801-808-6275

Mark, I wanted to send you as short note of thanks for all of your efforts on our behalf over the years. We are about to close our 6th loan with you and Legend and would not consider having anyone other than you handle our mortgage financing needs. In any profession, you build mutual trust based on promises made and delivered. Regardless of the complexities of our situation, you always under promise and over deliver.  With your industry knowledge and breath of experience, you have delivered the creative solutions, competitive rates and quick turn around we require.  Moreover, you do it while still being a stand-up guy.  If you are on Dianna's list of good people, you cannot get much better from our perspective.  We appreciate all you continue to do for us and know loan number 7 will be here soon enough! 

Rod and Dianna Ritter

Rodney D. Ritter, Executive Vice President Aviation Insurance Services of Utah, Inc.
Park City, UT 84098
(435) 645-8100, Office

______________

I came to Mark Hammond with a complex financial transaction and an aggressive timeframe.  Other larger financial institutions had proven that they were good at wasting my time and spending my money.  Mark Hammond was different.  Mark used his contacts, experience, and creativity to satisfy all of my objectives.  Legend Financial Services was on time, at a reasonable cost, and most importantly... they solved my problem.
- Patrick Ord, CFO, Ord Properties, Inc.
______________

We want to thank you, Mark, for the great help you were in obtaining a loan for our refinance recently. You went well above and beyond what we expected, with your excellent customer service, quick response to our special needs and constantly keeping us updated throughout the whole process and negotiating the best arrangements with the right lender. Your good nature and depth of experience in the money and loan market was very comforting and welcomed. When it comes to serving the customer and getting the very best deal in the market place, Legend Financial Services can't be beat. We highly recommend you to everyone, because we know they will be in great hands. From your very satisfied customers who will definitely return for any future financial assistance. Sincerely, Mark and Bonnie Earlewine, First American Title

"You might wind up with a shark if you don't call 808-MARK"