Justin Miller is a professional mortgage consultant who sets the bar in his industry for knowledge and service. He has been featured in Florida Trend magazine, The Wall Street Journal, on Donny Deutche’s Big Idea, and has been used as a source of expert information in the Miami Herald.
From rates to closing costs, Mr. Miller always acts in the best interests of his clients, and delivers what he promises 100% of the time.
He consults with each client to find the perfect loan to fit their family’s current and future needs. He provides his clients with an exclusive first class VIP experience by educating them on every aspect of the loan and keeping them updated on a daily basis as to the next step in the loan process. He differs from his competition, he builds life long relationships with his clients, helping them achieve success with every loan he helps them with.
His background as an Account Executive, Mortgage Broker, Mortgage Broker Business Owner, and Mortgage Banker has given him the knowledge to help his clients with more efficiency and expertise than the majority of his colleagues.
Mr. Miller is active in the community and charities, and serves as a Board Member with the Ann Storck Center, helping children and adults with disabilities. He was also a Board Member with Lupus Foundation of America’s Southeast Chapter.
Mr. Miller holds a Bachelors of Science in Finance and Accounting from Millersville University in Millersvile, PA, where he received a full scholarship.
HERE'S THE INSIDE SCOOP ON HOW TO DO IT RIGHT!!!
FIRST: Make sure you are working with an experienced professional loan officer/mortgage broker. The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along the way. But how can you tell?
Here are FOUR SIMPLE QUESTIONS YOUR LENDER/BROKER ABSOLUTELY MUST BE ABLE TO ANSWER WITHOUT HESITATION. IF THEY DO NOT KNOW THE ANSWERS....RUN....DON'T WALK....RUN.....TO A LENDER/BROKER THAT DOES!
•1) What is the prepayment penalty on my loan? You should always ask this question. You need to know so you can compare the price quote and fees of another lender/broker. The reason is because one company may not be charging any fees but that is because there is a 3 year prepayment penalty.
•2) What fees are you charging? You need to ask if they are charging you a mortgage broker, loan origination, loan discount, processing, credit report, underwriting, etc. fees. Both lenders/brokers can tell you that they are only charging you a 1% mortgage brokerage fee but if they do not tell you about the other above mentioned fees, you won't be comparing apples to apples.
•3) Do not let more than one company pull your credit? Ask the company that first pulled your credit for a copy of your credit report. Also, make sure that company is not having the lenders that they are shopping with pull your credit.
•4) Get an accurate quote on interest rates? If a lender/broker tells you that they can beat another company's rate without taking a loan application (1003) or looking at your credit, they are lying. Every individual is different, no one credit report or loan application is the same.
When it comes to mortgages, it pays to compare apples to apples. Many of our competitors advertise and quote lower rates, but they do not explain all of the details of the mortgage approval to you. We offer better service, better products, honesty, and integrity.
Don't get stuck with a lemon. To find out what you can get from JB Mortgage & Financial Services, come by our office or give us a call so you do not get stuck with any surprises.