At St. Charles Mortgage I will be applying my 25+ years of sales and the last 13 years of mortgage lending experience to offer the best rates and lowest costs to all of my clients. In most cases, only third party fees will be charged (those being title fee, appraisal, inspections and any associated escrow deposits for taxes and insurance.) I will be able to offer loan closings in as little as 21 days. If you are ever in a position that needs a second opinion, I am always available. At your request, I will be happy to advise you on whether you are receiving the best treatment or, if I can, prove to you that we will better your loan scenario. With lower overhead I can beat anyone’s rates and will never lose out over closing costs. I have a full product line of mortgages with scores down to 580. I will make every transaction seamless because other than an underwriter, I am the only other one touching your loan. I have closed as many as 54 loans in a month, knowing every aspect of each file all the way through closing. There are few obstacles that I can’t overcome in securing a home loan and no one will work harder for you. Call me, try me, and assure yourself or your referral the best customer service anywhere.