Premier Capital Mortgage
A Different Kind of Mortgage Company...

(F)requently (A)sked (Q)uestions

1. Why should we use you and not our local bank, credit union?
A majority of the loans in this country are originated by someone other than a bank, credit union, etc. Most loans in this country are done by companies such as Premier Capital Mortgage. We can actually get you a better loan from the same lender than you could if you walked into that lender's office off the street. The reason is that we can get you a loan on a wholesale basis and pass the savings on to you. It is also cheaper for that lender to utilize us then expand his "brick & mortar" business with all those employees walking around trying to look busy. When you go directly to the bank, credit union, lender, etc. they sell you a loan at "sticker price" and usually they offer terrible service that is painfully slow and irritating. The chances are the person you are talking to will get paid if the loan closes or not and they don't truly care about your situation and will not take the extra step to make sure the process goes smoothly. We are not trying to paint a scary picture or say everyone in the industry outside of us are weak but we would say a lot of companies out there are - even the big name lenders you all have heard about. Why not get personalized upscale service at the lowest rates possible and with the least amount of stress? Seems like an easy decision to make - doesn't it? 

2. How much do you cost?
We generally don't cost anything. We generally get paid by the lender in the form of a yield spread or rebate. When comparing apples to apples we save you money over others. 

3. How can we trust you will do a good job for us?
I have a long list of agents and clients that we have done a good job for. The bottom line is we base a lot of our growth on referrals. If we don't take care of you - we don't get referrals from you. So not only does it make good moral and ethical sense to service you properly... it also makes good business sense!

4. How do we save me money?
We save you money many different ways. Our rates will generally be 1/8% to 1/2% better than any other source of mortgages you can find. We will generally save from $500 to $5000 on closing costs as we don't charge all the "junk" fees others charge. We also will save you from getting grey hairs (or add to your collection you already have) by making the transaction as pain + stress free as possible.

5. How are you better than another broker?
Ok... you are probably saying, "I know you can beat a lender... I know you can beat my bank... I know you can beat a credit union but... can you beat another mortgage broker? YES... and we do it basically the same way we slay the others... Service, cost and rates. No one will ever beat us on service - it's impossible... all the competition can hope to do is match us. In terms of rates and costs we come out ahead because our company has a client-first culture. We don't teach our people to gouge our clients. We don't teach our people to "make a career" on somebody. The culture of our company is to do the right thing. We also know how to leverage technology and have an efficient management system in place to keep our operating costs low.

6. Should I shop myself?
Most people only have done the mortgage process a few times in their life. The only thing they probably did in that process was fill out a loan application and gather some documents for the loan officer. Unless you do this for a living there is no way a person can stay on top of all the lenders, new technology, programs & products, various vendors, appraisers & title companies, the laws & compliance issues or anything else that is involved in a real estate transaction. Some people say that they can just call around... get some quotes & good faith estimates and make the decision. In theory that would be a good idea... the problem is that most people cannot compare good faith estimates. They have no idea if one is accurate or not. They don't know how many months the lenders are currently escrowing for. They don't know if the state deed stamp tax is correct or if the loan officer left of a key line item or underestimated the property insurance. We can tell you most of the good faith estimates given to clients in the market place are done incorrectly and usually look as if the loan officer was trying to "low-ball" the client. If the client decides to go with that person they would be unpleasantly surprised with $1000, $2000 or more bump at closing. Another problem with shopping for yourself is that most clients do not know what products are out there and which are best for their situation. Not everyone needs a 30 year fixed mortgage. Many times that isn't the best solution. A lot of people try to shop for themselves but they don't do an apples to apples comparison and compare 2 different loan programs and make a bad decision. Our stance is this... regardless if you use us or someone else - you really need to find a mortgage broker you trust and let them do the work for you. You don't have the access, knowledge or experience to properly secure the best mortgage deal out there. Remember - anyone can quote you something or fax you a piece of paper HOWEVER it's what they can actually close on that matters.

7. What if I am too far to drive to your office?
That is a minor detail. Believe it or not a lot of our business is done over the phone, internet, fedex and fax. Many times we don't ever meet our client face to face. We find most people are busy with their lives and really don't have a compelling need to meet the loan officer. It doesn't matter to us either way. If you want to come to our office - come on down... if not - that is fine as well. Technology and the confidence of the American public in that technology makes getting a mortgage loan easier than ever. We can do loans anywhere in the state of Florida. We use your local appraisers and title companies. The process doesn't really change if we were down the street from you or 300 miles away. If you think about it - after meeting some loan officer for the first time doing it the old fashion way - do you really want to run through traffic and meet them again? Did you really need to meet them at all? Probably not.

8. What kind of loans can you do?
We can pretty much do everything and anything... From bad credit deals to great credit deals. From a $50K mobile home to a $50 Million mall. From a no money down deal to where you putting 50% down. Just call or email us and let us work our magic!

9. What is the process?
Contact us via email at info@pcmfunding.com or by the phone at (407) 658-3346 and let us be of service to you. Once we see what you need, we can guide you into the right direction. If for any reason you feel a need to contact the president of the company - you can email him at mwg@pcmfunding.com 

10. What next?
CLICK HERE TO APPLY ONLINE on our secure server/webpage or CALL us at 407-478-8878