Why Ultra Mortgage?
Here are some of the key elements that we thought you should know about our organization and why we believe we can offer you more the next time you are searching for financing.
A Friendly Disposition
We are friendly, professional, and competent. We appreciate your business. We are courteous. We treat our borrowers with the respect that they deserve. Unlike doing business with some organizations, you are not a "number" to us - you are the sole reason that we exist.
We are happy to be here and we are happy to serve you.
Competitive Pricing
We make it our business to know our business inside and out. We are constantly analyzing the market along with our investor rate sheets and pricing modules pinpointing the most competitive lenders on any given day. Day in and day out we are scanning the mortgage marketplace to bring in new programs/products to help serve our borrowers. It is this ability that sets us apart and ultimately benefits you.
If you are quoted a rate/price that is much lower than ours - it should be a red flag. We know the market, we know our products, and we are confident in delivering the ultimate in pricing on a daily basis. Experience has shown us that if someone else is offering something that seems "to good to be true," it usually is.
Exclusive Agreements
We do not represent any 1 particular mortgage company nor do we require our employees to represent any 1 particular lender. In fact, the reason for the success of Ultra Mortgage stems from the fact that we represent a large cross section of national banks and lenders.
Ultra Mortgage has exclusive agreements and access to wholesale rates and pricing from an extensive network of national banks, lenders and "boutique" lenders whose offerings are often uniquely of the "niche" variety. The reason that these lenders wish to do business with us is because they can offset their overhead by utilizing us to provide their programs to the public.
This gives us the leverage to offer you the best products, programs and rates available in today's highly competitive mortgage marketplace. We feel very strongly about the fact that we can offer you financing that is among the best you will find anywhere in the United States.
Honesty
Long ago, our parents and teachers taught us that honesty is the best policy. We still believe in this principle and we believe that we are only as good as our word.
While we understand that no one is perfect and human beings can make mistakes, our business is successful because we stand by our word. If we do make a mistake - we disclose it immediately, not several weeks later when it's too late.
We know that we are not perfect. We know that there are often circumstances that are beyond our control, however - we believe in doing business in an eithically sound and equitable manner.
Lower Overhead
While no one would argue that big national banks and lenders can be very good at what they do, their name recognition often comes with a tradeoff; higher rates and fees. This is usually attributed to their big facilities, big staff, and big overhead. This means that borrowers often wind up paying a "premium" because of their name. In addition, they are usually focused on selling you their own proprietary products. This can be good or bad depending upon your needs.
One-Stop Shopping
We live in a busy world. Your time is precious to you. We understand that you don't have the time to spend countless hours to compare every lender in the nation.
This is where we come in. Because our menu of mortgage lenders, programs, products and pricing options is so vast - we can often save our borrowers a significant amount of time, money and effort.
Personalized Service
You are not a "number" when you do business with us, nor will you ever be made to feel like one. We understand that every one of our borrowers are unique and have a special set of needs and objectives. We make it our business to take the time to listen to you. Once we fully understand what you are looking for, we get to work on assessing your scenario and finding solutions that may help fulfill your needs.
We let you know just how much we appreciate your business by doing the little things. Things like returning your phone calls and making ourselves available to you when everyone else has gone home for the evening or the weekend - by providing you with our cell phone numbers. How many other lenders can claim that level of committment and service?
Technology
A significant investment in technology helps us remain efficient and competitive in today's marketplace while keeping our borrower's information secure. From new hardware, software, and internet technologies we are always on the lookout to leverage technology to create an advantage for our borrowers.
By safeguarding our borrowers privacy through digital encryption, internal controls and the utlization of secure document destruction services, we make it our priority to make sure that your information is protected and secure at all times.
Urgency
What we have found over the years is that urgency is the key to getting loans funded quickly in the mortgage business. Each and every single borrower has needs and deserves the level of service that allows us to get things done as quickly and efficiently as possible. We probably understand this 1 vital key point better than anyone else.
While most of our borrowers don't realize it, we are literally battling behind the scenes each and every day to insure that your loan is receiving top priority through a driving sense of urgency during the processing of your loan. By following up with third party vendors such as appraisal companies, title companies, and even the lenders themselves we are orchestrating a behind the scenes drill to move your loan forward from origination to processing. While it may seem "invisible" to our borrowers, our urgency is apparent each and every day as we strive to get your loan closed as quickly as possible.
Volume Discounts
Because of the large amounts of business that we deliver to our lender partners, we are often offered "volume" discounts on pricing. Ultimately, this means that you are going to be able to take advantage of some of the most competitive rates and fees in the marketplace. A winning combination any way you look at it.
