MY PERSONAL INFORMATION

Thanks for checking me out!  I am a mortgage advisor with PHH Mortgage Company (DIRECT LENDER not BROKER) and I primarily work with realtors from Florence, SC to Fayetteville, NC and all points in between.  I live in Laurinburg, NC with my wife and 2 children and one spoiled English Springer Spaniel.

I was born in Savannah, GA and grew up in Walterboro, SC.  I have a degree in Business Administration with a Computer Science Option (back when we programmed with punch cards right before the Radio Shack's TR 80 micro computer came out!) from Winthrop University in Rock Hill, SC.  After a 20 yr rewarding, but frustrating career in manufacturing, a cousin talked me into getting into the mortgage banking 4.5 years ago and this has been a perfect fit for me.  I love my job and my company and have made a lot of people happy in either refinancing their homes or in purchasing their homes.  Treating people the way that I would want to be treated is mine and my company's goal.  Treating people like family!

PHH MORTGAGE PROFILE

We are one of the top ten originators of retail residential mortgages in the United States.  We offer you unsurpassed service, a full range of programs at competitive rates, and the smoothest mortgage experience in the industry.  In 2005 alone, PHH Mortgage provided $48 billion in mortgage financing for American homes, and every day we help more people fulfill the dream of home ownership.

PHH Mortgage operates out of three main facilities in Mount Laurel/Moorestown, NJ, Jacksonville, FL, and East Providence, RI, employing a combined total of more than 5,200 team players (employees).

We've received numerous awards, including Best 100 Places to Work in IT (Computerworld), Top 25 Companies that Care (Jacksonville Magazine), Training Top 100 (Training magazine), and more.

Our mission statement: We promise to treat customers like family while providing financing for the American dream. The experience will be smooth, easy, and at times, fun. We will do this with unequalled passion and expertise.

BRIEF COMPANY HISTORY

The company was originally founded in 1946 by Duane Peterson, Harley Howell, and Richard Heather, PHH Corporation began by creating the industry's first financial lease program, and continues to be an innovation leader.

PHH Mortgage (formerly Cendant Mortgage) provides private-label mortgage financing through other financial institutions and real estate brokers. A top US retail originator of residential mortgages. It operates nationwide. PHH Mortgage and its parent company, PHH Corporation, in 2005 were spun off from what was then Cendant; that company in 2006 spun off its real estate operations as Realogy and became known as Avis Budget Group. General Electric is buying PHH Corporation, but will sell PHH Mortgage to Blackstone Group once the initial transaction is complete.

Streamlined, effective processes that are customer-driven

From origination and processing through closing and servicing, we have the right processes in place to effectively serve and manage your customers' loan experience. Throughout the entire experience, your customers receive fast loan decisions, timely updates, and pro-active communication. Because each customer is different, our processes adapt to their needs to deliver as much handholding as desired.

From the way our call centers handle customers to every document we produce or touch, our processes are seamlessly organized to deliver complete brand transparency and reinforce your brand with the highest quality of service-down to the last detail.

Deliver exceptional customer service from the first call

With our proprietary technology, we're making fast response times and high-performance service an everyday reality for you and your customers. We offer inbound teleservices technology that manages calls and capacity to ensure your customers receive outstanding branded customer service from the first dial-in. Using this technology, our employees can devote more time to customers to deliver truly consultative, customized service. To provide improved communication and assistance, call center employees have access to web tools and sales guides to enhance the customer experience and increase conversion.

Deliver fast responses with our origination technology

Our origination engine, built from the ground up, offers a customer-driven workflow for faster, easier loan experiences. Working in conjunction with our underwriting engine, it offers flexible underwriting guidelines and scenarios to support a broad range of customers-no matter how complex the credit profile.

The system allows us to take a complete application, order a credit report, and receive real-time automated underwriting approval from our investors. Since we've evolved our technology over time, it's easily customized to support diverse client needs in terms of products, pricing, processing, and documentation. This means your customers have access to a broad range of products and pricing they won't find anywhere else. Most of all, our integrated systems ensure we provide credit reports in seconds to offer real-time rates for faster loan decisions. At the click of a button, online customers receive same day loan decisions, or within 20 minutes on the telephone.

We are the mortgage engine behind many leading banks and financial institutions, including Merrill Lynch Credit Corporation, Provident Bank, UMB, Bank Atlantic, Charles Schwab, American Express, Met Life, Banco Popular and the Realogy Franchise Group of Real Estate Companies that represented 1 out of 4 purchases or the sale of homes in 2005 in the US. 

These companies are:

• Coldwell Banker
• Century 21
• ERA
• Sotheby's International (Domain)
• The Cocoran Group
• NRT Incorporated
• Title Resource Group (TRG)
• Better Homes and Garden

We are a mortgage company that was designed by real estate professionals and we know what you demand and expect.  Quick answers to your questions up until 9PM M-F, 7PM Saturday - Sunday with quick solid pre-approvals and smooth and easy closings.  We follow-up with any qualified leads keeping them engaged for you in case you have given up on them!  I've seen referrals close that were in our pipeline for a year!

In addition, we have the strongest guaranties in the business with our same day decision guaranty up until 9PM M-F and 7PM on Saturday or we'll pay the borrower $250.  Also, we guaranty that we will not miss our stated closing date or we will reduce their rate by 1/8% for the life of the loan. And, after we close, if your borrowers were not satisfied with our service in our surveys that we send out, we will pay them $200.  We are good and we know it and if you will try us, you will believe me!

The way I work is by partnering with realtors and I try to help them prospect and close because I know how hard their job really is.  Many don't make it in this business and I want the agents I serve to make it and really prosper.

In case you don't know about PHH Mortgage, I'll just tell you that you are not alone.  We don't advertise with the general public, instead, we work with real estate agents by providing the best service in the industry because we understand that one third of homebuyers contact a Real Estate Agent before contacting a lender and that 50% take their Agent's advice.  And that another statistic is that 70% of potential homebuyers ask their realtors where to buy a mortgage.  Having the trust and confidence of the realtor is the key and they know that they can depend on us to secure their transactions.

We have you covered we any program that you could possibility need!  From our VIP programs with low rates and no docs to the subprime borrowers with no money.  We closed more VA loans than any other lender in 2005 and we continue to excel in this category.  Finally, we track your referrals, once approved and give you a PRE-APPROVAL using Underwriters Up-Front, not 3-4 weeks into the transaction so you will know within a few minutes over the phone if you have a prospect or a suspect.

If we don't make a same day decision, we pay the borrowers $250!  And if we don't close when we said we would, we'll drop the rate by 1/8%!

Top benefits for your business using PHH Mortgage include:

1. VIP² - Very Important Process for Very Important People - for only a 680 FICO and 5% down with good assets, employment, etc., they can make our VIP criteria which turns our best conforming rate programs into a no income, no access, no employment verification program without bumping the rate!  AND, many times, we'll waive the appraisal!  This turns your borrowers into cash buyers!  Small business owners love this program which sets us apart from other lenders in town.
2. PPRP - Pre-Purchase Rate Protection, a win/win/win for the buyers and you!  This gives them a deadline of 90 days with a capped rate and allows them to shop rates before a property is selected!  The program is free as long as they close with us.  Once we put them into this program, we start the process of closing so we'll be ready to close them once a property is selected so you have another cash buyer!
3. GREAT PROCESSORS - Marty and Dee are my primary processors and are among the best processors in the industry, making my job easy.  With our programs and their experience, we normally get the closing package to the attorney with the funding 4-5 days prior to closing not the hour before.  They are good and fast!  If one processor is tied up or out of the office, the other processors on the team jump in and keep the file going and are available for your questions.  Get us involved if your existing lender is dragging his feet and we'll close it before they even know they lost it!
4. POOR CREDIT PRODUCTS - FHA and VA are not score driven so call me and let me see if they have a shot. 
5. MRC - Our Marketing Resource Center is available for realtors for free personalized marketing flyers, door hangers, post cards and listing sheets with 4 financing options.  Go to:  http://www.phhmortgageresourcecenter.com/ and sign-up today!  Use 866-256-5421 for the toll free number to complete the request.
6. SPECIAL FINANCING - A great program we offer to help you sell listings that have been on the market for a while without having to reduce the purchase price.  For only a 2¼% seller concession, we'll drop the 30 yr fixed rate by ½%, a 7/1 ARM by ¾% and a 5/1 ARM by 1%.  This program is very popular with agents throughout the country.  Call me for more details!
7. HOURS OF OPERATION - My hours are 8:30-10 PM M-F, 10:30 - 7 PM S-S, My office hrs are 9 PM M-F & Sat until 7 PM.
8. MANUFACTURED HOMES - Conventional products require a 5% down payment.  The manufactured home has to be tied down on a permanent foundation with no tires or tongue.  Can also go 3% down payment FHA or 0% down payment VA.
9. SPECIALIZED GOVIE TEAMS - We closed more VA loans than any other lenders in the US in 2005 and we are still a leader in this category so call me if you have anyone thinking VA.  Our Govie teams also close FHA so we are up on the guidelines for you so you do not have to worry about your closings.  We have got you covered.
10. PRE-APPROVAL vs. PRE-QUAL - We UNDERWRITE your clients' loans up-front so you will know that you have a deal 30 minutes after we take the call with the closing conditions not 3-4 weeks into the transaction like our competitors do it.  Even if we take the call at 9PM, we'll stay until we make a decision and fax over the pre-approval letter directly to you.  If they can't provide information, it will remain pending until they can provide for us.
11. FOLLOW-UP - "The fortune is in the follow-up" and we understand that!  With our Agent Help Desk available to 9PM M-F and 7PM Sat, http://www.mortgageloanstatus.com/ available 24/7; Processors are available from 8:30 AM until 6PM and I am available whenever you need me, just call.  We will make sure you are never in the dark about your loan status or lead status! 
12. MY VALUE TO YOU - I'll answer your calls immediately and if I miss a call due to talking to another agent, client, etc. or if I don't have a cell phone signal, I'll call you right back within a few minutes.  And, I'll continue to send you helpful emails to help you grow your business.

Great Links:

Pinehurst Real Estate  - www.pinehurstrealestatenc.com

Pinehurst Luxury Homes  - www.pinehurstluxuryhomesnc.com

North Carolina Horse Farms  - www.southernpineshorsefarmsnc.com

Fort Bragg Real Estate  - www.fortbragghomesnc.com

An atty recently sent my processor an email that the closing was the easiest and smoothest that she had ever had in her 20+ years in the business.  I had a Realtor that recently said she had one question for me, "why did it take her so long to try us?"

A Realtor just motioned me into her office this afternoon and said her closing during the holidays was wonderful and the customer was pleasantly surprised at the little amount of fees that we charged.  This Realtor is a top producer and she knows how difficult closings are in our market and she is definitely going to be using me again mainly because of our processors. 

A Realtor at a sales meeting recently stood up and said that our processors had the closing package AND the funding at the closing agent's office 4 days prior to closing.  When he finished, another agent raised her hand and asked if she could comment.  Her comment was that her recent closing with us was the same way.  Both are strong supporters and many others in their office are too, thanks to their comments. 

We will make you a believer too!

Supporting Realogy brand offices: 

coldwell banker united southern pines nc, century 21 prime properties southern pines nc, era sandhills southern pines nc, coldwell banker united pinehurst nc, century 21 the real estate center lumberton nc, century 21 weaver and associates fayetteville nc, century 21 odyssey fayetteville nc, century 21 weaver and associates harnett county nc, c21 weaver and associates selma nc, era dillon realty dillon sc, century 21 express properties marion sc, century 21 express properties loris sc, century 21 richardson realty florence sc, era leatherman florence sc, coldwell banker mcmillan tiller florence sc, century 21 professional realtors hartsville sc, coldwell banker gandy tiller hartsville sc.

Other supporting offices:

remax tri-city rockingham nc, remax florence sc, remax fayetteville nc, remax lumberton nc, remax walterboro, realty world rockingham nc, realty world florence, hasty realty laurinburg nc, associated realty laurinburg nc, vision realty laurinburg nc, graham and grubbs realty laurinburg nc, burt jordan realty florence sc, lewis realty lumberton nc, lee crawford group florence sc, assist2sell florence sc.