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Cynthia Clinton
Mortgage Consultant/Planner

Ph: 408-310-0027
800#: 888-701-0808
Fax: 408-493-4545
Email: Cynthia@CynthiaClinton.com
Or contact me on Yahoo Messenger: cynthiaclinton_mortgageplanner
 

Note: I am hearing impaired.  I'm 50%-60% deaf in both ears.  I don't have hearing aids yet, but I plan to get them.  I can hear on the phone thanks to volume control, however, voicemails can be difficult for me to hear.  I think the sound quality gets smashed or something.  If you need to leave me information regarding your loan or other work I'm doing for you, please send to my email or IM me with Yahoo if at all possible.  I have a BlackBerry, so I can get email and IM's most anywhere I am and at any time of the day or night. Click here for more information on how best to help the hearing impaired "hear" what you're saying.

My Code of Honor

I always endeavor to act in the best interests of my client. I actively serve as an advocate for my clients, acting as a shield between my client and predatory lenders. This is not to say all lenders are predatory, but that I make it my business to detect predatory business practices by lenders and protect my clients accordingly.

I'm here for the long term to serve as your agent in these matters- your advocate and your advisor. There are many loan officers that are only around long enough to collect their commission and then they're gone.

I establish a price for services upfront, in writing, based on information provided by my client. The price may be a fixed dollar amount, a percent of the loan, an hourly charge for my time, or a combination of these. However, I'll tell you right now... unless there are special circumstances, I just charge a straight-up 2 points for my services. I'm as transparent as possible in regard to my fee. I don't negotiate it and I don't inflate it with hidden fees.

I willingly disclose all yield spread premiums, broker fees, processing fees, etc. on the Good Faith Estimate. I don't hide ANYTHING because you deserve to know where the money's going.

On third party services, such as an appraisal, ordered by me but paid for by the customer, I will provide the invoice from the third party service provider at my client's request. Alternatively, I always give my clients the option of making the payment directly to the third party service provider so they can see the actual cost.

Any payments I receive from third parties involved in the transaction will be credited to the customer, unless such payments are included in my fee.

I will use my best efforts to determine the loan type, features, and lender services that best meet my client's needs, and to find the best wholesale price (rate and points) for that loan from the lenders with which my company is approved.

After the terms have been locked, if requested by my client, I will provide a copy of the applicable lender's rate sheet that discloses the wholesale price. When directed by a client who has met lender lock requirements, I will lock the terms (rate, points, and other major features) of the loan, and will provide a copy of the written confirmation of the rate lock as soon as it has been received from the lender.

If a client elects to float the rate/points, I will provide the customer the best wholesale price available from the lenders with which my company is approved on the day the loan is finally locked.

I will maintain a web site on which my commitment to my clients is prominently displayed, along with any other information I wish to convey. It is not my practice to display mortgage prices or rates on my websites. Each loan is special and I think advertising rates and prices can be misleading to people looking for a loan. Instead, I sit down with my clients and determine their credit situation, equity position, and their goals. Only then, will I shop suitable loan products.  I do not quote rates without knowing your credit, equity, or goals.  No one can honestly promise a rate without knowing these 3 things!  They say people are like snowflakes. If that's true, then their financial situations are like snowflakes too.

If you have any question at all about my ethics, contact me via the contact information in the orange sidebar on the left and I'm happy to answer any of your questions and explain my business practices to you.  If you want more information about my fees, see this page before you contact me in case it answers your question.

Fair enough?  Let's talk and see what I can do for you and your family!  Call me at 408-310-0027 or send me an email.  You'll be glad you did!