Maverick n.  2:  an independent individual who does not go along with a group or party.

Steven doesn't take a "one size fits all" approach to assisting his customers with their financing needs.  He recognizes that each person's circumstances are different and that the financing perfectly suited for one person may be detrimental to the next.  Consequently, Steven does a complete analysis of each customers' current situation and financial goals before recommending any financing programs.

Also, Steven has waged a one man war against the credit reporting bureaus, assisting his clients to legally have incorrect and/or negative information removed and thus raising their credit scores by as much as 118 points.

By using the Fair Credit Reporting Act and other little known methods, Steven aggressively strives to get his clients' credit profiles corrected so that they can qualify for the best mortgage programs.  He is constantly looking for new and innovative ways to essentially beat the credit bureaus at their own game.

Steven believes that the best mortgage program for his clients is the one that will allow them to purchase the home of their dreams without making them "house poor".  He achieves this goal by extensively interviewing his clients to learn everything possible about their current AND future plans so that their home can be a complementary addition to their financial portfolio.

Customer Service.  When people hear this phrase, they usually think of characteristics like "friendly", "empathetic", or "caring".  All of these traits are important in your mortgage professional.

Steven believes that the traits needed to define customer service go much deeper.  Being truly helpful, even at the expense of your own interests, is the most important concept to understand true customer service.  Helping your customer to secure financing most advantageous to their future financial well being, as opposed to "getting them a loan", is the mark of a true mortgage professional who places customers' long term interests above your own.

Additionally, long after your loan has closed, Steven continues to stay in touch with you to make sure that your financial goals are on track to ensure that you will always be happy with your purchase.  Steven has many clients who have come back to him 3, 4, 5 or more times for their mortgage needs.  They simply won't settle for anything less than working with Steven.

With 21 years experience in the real estate and lending fields, Steven is uniquely qualified to assist you with your financing needs.  He understands intimately the needs and interests of the Buyer, Seller, Realtor and the lender, dedicating his service to ensure that everyone has a positive experience.

Also, Steven is one of the only lenders in the country who completely understands credit and credit scoring!  Steven has assisted hundreds of clients to repair their credit and secure financing for a new home when they were previously told by three, four or even five other lenders that it was impossible.  If you have experienced any of life's challenges, you owe it to yourself to call Steven Today!

Steven Shewell,  The Mortgage Maverick!

Having been in the real estate and mortgage financing fields for over 21 years, I have experienced the ups and downs of the real estate market.  I have also learned that each person is different and what serves one client may not be right for another.  I structure each loan to meet the individual needs of my clients. 

I specialize in working with credit challenged clients.  Many of my clients have spoken with 3,4 5 or more other lenders and been told it can't be done.  Happily, they are enjoying their homes today.  I prefer to look at it as "What do WE have to do" to get you approved for a mortgage rather than, "YOU need to clean up your credit and call me later".  Buying a home requires a team effort between you and your loan officer.  You need someone who is on YOUR side!

I offer a FREE credit repair workshop in which we work together to get your credit repaired and raise your credit scores so that you can get the best mortgage financing terms possible.   Some of my clients have raised their credit scores as much as 118 points.

Offering more than a credit "fix", I work with my clients as long as it takes to completely correct the information so that it no longer bothers them.  This sometimes takes a little longer, but long term it helps put them in the best position possible for the future.  Additionally, because we raise the credit scores as high as possible, most times we can obtain better mortgage rates and terms.  This service can save you thousands of dollars over the life of your loan!

Additionally, I have assisted hundreds of clients to obtain FHA and VA mortgages.  Having spent over 21 years in real estate and mortgage financing, I helped many clients who had been told "No" so many times they were ready to give up.

Also, I have closed hundreds of conventional, sub-prime and alternate lending loans.  Keeping current on the many changes in the financing options, this allows me to counsel you on the best financing options for your personal needs.

Call me today to see how we can work together to get you into your dream home.

What Steven's Clients and Colleagues Have To Say...

Kim and I would like to take this time to thank you for everything you have done for us.  From the first meeting when we discussed the approval process to the closing we were made to feel secure in our decisions concerning our finances.  Your prompt and courteous response to our phone calls helped ease a lot of stress.  Also the service you provided in assisting us in the removal of my son's student loan information from our credit report.  And offering your services after the transaction if we should have any questions we could call on you, in today's world that demonstrates a true professional.  And surely one that puts a client first.

Steve you were a true blessing to us, I highly recommend you to anyone who is in the processes of seeking a mortgage.

Thank you,

Ken and Kim Lawton

We would like to thank Steven Shewell and Primary Residential Mortgage for helping us during the mortgage process.  Without your help we are sure that the process would not have gone as smooth as it did.

We will be more than happy to recommend your service to any of our friends who are seeking help with their mortgage.

Miguel and Anais Rodriguez

Thank you SO much for all that you did!  I still can't believe that we are in our new home.  You said you would get it done and you delivered just like you promised.  Brian and I are so thankful for finding you.

Sophia W.

Just a quick note of thanks and praise to you for your wonderful service to Monica and I.  We cannot think of another finance representative that would have been more dedicated, more understanding of our situation than you have been.  Without your patience or perceptions, we would have not been able to fulfull our dreams of becoming homeowners in Pennsylvania.  I personally will never forget how you travelled miles to meet us in both Gettysburg and Reading to help us through this process.

We are very pleased to highly recommend you, your services and financing organization to others.  Enough cannot be said of your dedication and skills in mortgage lending.

David and Monica Stratton

This is to thank you for your help and support in our home purchase.  We are very happy with your excellent and professional work.  We think that without your help and your time we couldn't make it.  Your job and your dedication were very significant and helpful for us.

Juan Hernandez

You have amazed me with the service that you have provided to me.  It is greatly satisfying that my mortgage was reduced.

Thank you for making it possible for me to own my own home.  Furthermore, I would like to add you are a terrific marketer so keep up the excellent sales.  It really shows that you enjoy what you do and that you are educated in what you do.  It is rare to see that trait today.

It has been a pleasure being your client and doing business with you.  If I shall need any future assistance, you can count on me to contact you.

Jessica Boyer

Our experience with Steven Shewell of Primary Residential Mortgage, Inc. was a very positive one.  Steven assisted us with the purchase of our first home in East Petersburg, Lancaster County.

We were very pleased with the services that Steven provided for us.  It was very evident that Steven was working very hard for us from the first meeting date to the closing on the home.  He kept us well informed each step of the way.  With this being our first home, we had many questions that came up.  We felt comfortable going to him with any questions.  We were very glad to have Steven Shewell on our side and would recommend Steven to any prospective home buyers.

Scott and Melanie Ambrose

You are a Godsend.  After we had been told my several other lenders that it was impossible for us to get a mortgage, we came to you and you made it happen!  Your advice and patience was greatly appreciated.  We will recommend all of our friends and relatives to you.

Don and Barb S.

Just a note to let you know how much I appreciate all that you have done for me since we first met.

Back in May, 2000 when I was looking for a loan to buy a new home no one seemed to want to take time and help me because of my credit history.  Then a mutual friend introduced us and you made it possible for me to purchase my new home!

You got the documentation to show my past credit history was cleaned up.  Showed me what to do to keep it that way.  Also was there for each step of the purchasing process and guided me through them.

Since then we have been through two refinancings and you have always been honest and looked out for my best interests.  Even when I thought of selling and buying new, three or more times, you patiently gave me all the information I asked for.  When I couldn't make up my mind on these occasions you gave me the proper information to make the best choice.

For these reasons and more I consider your council on money matters first.  I know if you are not able to help me you guide me in the proper direction.  I will always use your services when it comes to home finance and would highly recommend you to anyone.  Thanks so much for your help!

Lawrence Schirmer

We would like to take a minute to express our sincere gratitude with the service that we received throughout our process in the financing of the mortgage of our new home.  In addition we were very pleased with the rate that we were able to get for this process.  We would highly recommend Primary Residential Mortgage to anyone interested in pursuing the financing of a new or existing housing.

Most of all, we were extremely pleased with the service that we received from Steven Shewell.  He definitely went above and beyond his call of duty.  Mr. Shewell attended all appointments, reviewed our possibilities with us, and was available and willing to help 24 hours a day - 7 days a week.  He was a huge factor in making sure that we received the best possible rate possible for us at that point in time.  All of his hard work, determination, and effort were greatly appreciated.

Kevin L. Smeak and Darbye E. (Yealy) Smeak

What a wonderful experience working with you.  I can't begin to thank you enough for all that you did for me.  Not only did you tell me you would get it done, but you got me into my dream home.  I have told all of my friends that I owe my new home all to you.  You are absolutely wonderful.

Ali K.

Thank you so very much for all you did to make the refinancing of my mortgage so successful.  I sincerely appreciate all the help and understanding you gave me in the process of getting all the paperwork together so we could get the mortgage to closure.

You even went the extra mile when I was on vacation in Ft. Myers, Florida and you found a title company in the Ft. Myers area to close on my mortgage on my house in Quakertown, Pennsylvania.

Steven, I went with your mortgage company because out of all the letters I had received, about refinancing my mortgage, yours was typed and signed by you, it was not a form letter copied over and over again.

I would recommend your services very highly to anyone that is looking for a first mortgage or looking to refinance his or her present mortgage.

Again thank you for all your help and patience's it is sincerely appreciated.

Lois A. Taylor

I am sending this letter to you just to say thank you once again.  I know that you were just doing what you do everyday.  Because of your help, I was able to achieve my dream of becoming a homeowner.  You took the time to answer any question I had and made yourself available to me anytime I had a question.

Brian Maxwell

Just wanted to say thanks for all your help getting us into our new "nest".  You really worked hard for us for a long time.  We appreciate your help with our credit and getting us such a speedy settlement

Gale Light and Craig Martel

We just wanted to thank you so much for all that you did.  We know that you put a lot of time and effort into our situation and we appreciate it.

We are settling in to our house just fine, and we are glad things worked out the way that they did.

Thanks again for everything.  We enjoyed working with you.  We'll be in touch.

Melanie and Scott Ambrose

We have nothing but great things to say about your services.  You came through for us when others said it couldn't be done.  You were willing to work around our work schedules and came up with a time that suited everyone.

You made us feel comfortable and made our first home buying experience enjoyable.

Should we ever have to buy another house we would certainly be priviledged to have you work on the mortgage end of things.

Tony & Ruth Ann Kulp

...And we sincerely want to thank you many times for all that you have done for us in terms of purchasing our property and then for the refinancing of the mortgage for our investment.

We feel you have certainly bent over backwards or should I say gone many miles out around to get everything in order for us.  And your friendly attitude has made it very pleasant to work with you.

We would certainly recommend your services to others.

Again thank you!  And may God bless you...

Linda Fisher

...You were honest and quick.  You were very honest and right down to the point and you got it done.  I was very pleased that I got a loan without any credit.  I was very happy.  Thank you very much.  Couldn't been done without you.

Dennis Nolt & Angie Brubaker

Thanks again for all of your help regarding our home loan refinance.

Cory and I were very happy with all of your assistance and honesty throughout this process.  And we are looking forward to working with you again.

You went the extra mile to help us out and you really went over everything in detail so we understood everything that was going on.

...And thanks again!!!  You're the best!

Carrie and Cory Weishaar

What can we say?  You made buying our first home a wonderful experience.  From your patient answering of our million questions to coming to the settlement with us, you were with us every step of the way.  We can never thank you enough for all that you have done.  Best of luck to you in the future.  When we need a new mortgage, we will definitely be calling you.

Joe and Sue B.

In today's competitive environment, everyone tells you that they can get you the best deals and will "handle all of the details" regarding your mortgage needs...but from talking to friends and co-workers, often times this is far from what actually happens.  So as we were bombarded with offers regarding refinancing, we wanted to see if this would be something that would be beneficial to us...but who to trust?

Well, that question was an easy one to answer...we called Steven Shewell of Primary Residential Mortgage, Inc.  Steven took the anxiety and guesswork out of the refinancing process.  Steven handled every detail flawlessly and answered every question we had so that there were no surprises.

If the opportunity arises in the future where we need a mortgage, we will again call on Steven for his assistance.  We feel very confident in recommending Steven Shewell to anyone who has a mortgage need.  At the end of the process, you will appreciate Steven's attention to detail and commitment to his customers

Gary and Stephanie Stahl

I can never thank you enough for going way beyond the call of duty.  When it came to getting my mortgage you had so many things to straighten out.  And I know you put many extra hours into all the extra paperwork.  I truly appreciate every effort you made.

Thank you for being there for me and for getting me back on my feet.

Judi Reynolds

Thank you, Steve, for your assistance in refinancng our mortgage.  Naturally it is not easy to refinance a mortgage loan.  But it was made easier through your diligent assistance and you taking the time to explain all the details to us so we could understand everything.

Without a doubt your interest in us and willingness to help us is very much appreciated.  Your service to us was very professional and displayed a concern for our situation which went a long way to help alleviate our concerns.

Our situation has improved since we refinanced our mortgage and this came at an appropriate time for us since our son is entering college in the Fall.

Thanks once again, Steve, for all your help.  It really means alot to us.

Walter and Nancy Abreu

We wanted to take this opportunity to thank you for the outstanding personal attention you gave to our recent refinancing of our mortgage.  Your timely attention saved us money as the rates began to rise and you quickly locked us into a lower percentage rate.

Because we were so impressed with your service two years ago when we first refinanced our mortgage, we simply called you and you immediately made an appointment to help us.  In this day of slip-shod customer service, it is a relief to meet a businessman who gives top notch customer service.  The extra mile you go with Christmas cards and birthday cards is rare.

Thank you again for the great service and we will continue to tell our friends and family to contact you when mortgages are needed.  Please keep in touch so you can go fishing with us.

Jason and Penelope Kesckes

You came through just as Gene said you would, and just as you promised.  We truly appreciate your working so hard to help us get our first home.

Rob and Lisa Weir

I wanted to drop you a quick e-mail and tell you thank you for saving my life!  You have no idea how good it feels NOT to be in debt (except for the home loan).  I can pay my bills on time (in full) no robbing Peter to pay Paul, etc.  I have actually had $$ to send to my oil company towards heating oil for the winter.  YOU ARE MY HERO!

Betty Rye

Thank you so much for speaking to my Realtors yesterday.  I would like to take you to lunch as a token of appreciation.  When you are going to be in the area please call me so I can make sure I do that.

The Realtors have not talked about a subject or a speaker as much as they were talking about you after our meeting was over and the rest of the day.  I believe you really made them think.  It was humorous to me on occasion when you told them items of what they needed to do and how easy it could be to grow their business, because it was almost word for word of what I had been beating them with.  The great part was it was coming from someone outside the company and it reinforced what I had been saying.  I saw some sort of hanging their heads.  They knew what they need to do.  Now they need to go do it.

You did an incredible amount of work with that book.  I would like to reimburse you or get you something for a job more than well done.  The Realtors have been taking turns looking through it.

I would highly recommend you to speak at any real estate office or function.

Again, thanks Steve.

Durwin Bixler, Sales Manager, ERA Jack Gaughen

Bob and I would like to express our sincere gratitude to you for all your help regarding the refinancing of our investment property.  We weren't sure what we wanted to do loan wise and you really helped us by showing all of our possible options!  Your knowledge of what was best for our financial needs was such a bonus!  Previous lenders we've worked with have always had to ask "someone else" to get us answers to our questions!

You kept us informed the entire process start to finish!  You made the whole process so convenient by coming to us!  This certainly was the best loan process we've ever had!  You covered every base and there were no surprises!  We are 100% satisfied with the service you provided us!  We will look to you for our future financing needs and will be sure to refer you to all of our friends and family!

Jennie and Bob Witwer

I would like to thank Steven Shewell from Primary Residential Mortgage for a job well done.  Steven was efficient and persistent in getting the job done on a timely manner.

He also worked well with our Realtor.  Steven was also able to answer any questions concerning the matter and continues to work with us after our closing on credit issues.

Thank you very much Steven.  Please continue the good work.

Mark and Dawn Trimble

We just wanted to write you this note to tell you how sincerely we appreciate your meeting with us and giving us advice on marketing.  We agree that yours were the best, most practical ideas we have heard.  We are in the process of implementing them.

Thank you again, and we hope to see you again soon.

Laura and Sam Slaymaker, Slaymaker Heritage Law

It was a great experience working with Steve Shewell of Primary Residential Mortgage.  It is amazing what most people don't know about credit scores and credit in general but Steve is very up to speed on this issue.  He showed me things I would never have known about credit scoring.  I had been told in the past by other companies that my credit was not good enough and that I would have to deal with higher interest rates but thanks to Steve he helped me fix my credit and get a better interest rate on my home.

Shaunte DePaso

Miguel and I were blessed with your wonderful service almost six years ago.  You helped us with our first mortgage.  You did everything perfect.  We didn't have to worry about a thing.  We were so impressed with your service the first time, that we called you a second time.

This time we needed to refinance our house.  Steven you again provided us with such great service.  Steven you're such an honest, loyal and respectful person that we could never take our service anywhere else.  Again, Miguel and I would like to thank you, for such great service.

Miguel and Brandy Caraballo

I am very greatful for someone like you in my life Steve.  Again, Thank you for guiding me the way i need to go to make anything of the money i
sweat for and to make a better life for my kids before it is too late...  ( Kids are growin up they won't be around to much longer )  Thank you !!!!

Kelly P.

Thanks for all you do through the year.  We really appreciate it.

Beverly Yarnell

We really appreciate you taking the time to work with us to clean up our credit.  It took us two years, but you were with us every step of the way!  Thank you again and when we are ready to make a move you are the only lender for us!

Frank and Celeste R.

What can I say?  Without you my dream of owning a home would never have happened.  You took the time to help me clean up my credit and were always available to answer any questions I had.  Thank you again - you made my dream come true!

Trudy W.

I wish all lenders were as caring as you.  You always took the time to answer our questions and when we couldn't make up our mind to move or not, you patiently helped us through it.  You truly are a credit to your profession and I wish you all the best.

Kurt S.