Subject: 5 Star Yelp Review
· Orangevale, CA
· 0 friends
· 1 review
Ramon Fazah was a HUGE help to me during my first time buying a home. In December 2014, after 8 years of house searching, I found 'the one.' However, going through the height and crash of the market, I was leery of many things. Regarding the lender, I needed a person who knew my needs: I wanted the lowest monthly payment possible, I did not want to put down 20% yet I did not want PMI (private mortgage insurance), I needed fast closing, no hidden fees and closing costs kept at a minimum.
I had many demands!
Ramon worked with me even though I had another lender. I wanted to see what competitive deal Ramon could give. What I discovered was Ramon was the first to go to title, the first to contact the selling agent, the first to lock in my rate and took the initiative to go to his manager to absorb a point so I could roll up my PMI and still have a great rate - AND keep more cash in my pocket.
Ramon had less closing costs than the other lender and even worked with both real-estate agents as we gathered more funds for me to fix a minor roof condition (the sellers were out of cash).
One thing I learned was that having a professional lender who takes the initiative is very valuable. It keeps the sellers motivated and gives confidence to the agents. Without this, deals are rarely made regarding contingencies at the last minute. With a great lender like Ramon, people were willing to work with me.
My loan funded and recorded 23 days from start to finish even though I delayed my home appraisal for almost two weeks as I wrestled with certain contingencies I made with the sellers. And remember, this was during the Christmas Holiday when people were out on vacation and businesses were closed.
Ramon stayed and worked hard.
Now, I am moving in and for the first time in my life, I have a really nice home that I can build my future in. I have confidence that I was given the best deal and that Ramon truly helped me because he took the initiative when others did not.
Thank you Ramon!
Kyle McGee | Digital Media Specialist
Paramount Equity - Sacramento Office
Savings Made Simple®
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