Upfront Mortgage Professionals Welcome Pennsylvania Affiliate Fred Glick!

The Upfront Mortgage Professionals are honored to announce that Fred Glick of Pennsylvania has passed the Mortgage Professors’ National Certification test and become the 5^th UMP in the United States!  Fred represents the State of Pennsylvania and is a long time Upfront Mortgage originator.

“The Upfront Mortgage Professionals are excited to have Fred representing the consumers of Pennsylvania who are looking for a guaranteed 10 Point Commitment for purchasing and refinancing their homes” said Jeff Jaye, Founder of the Upfront Mortgage Professionals. “I have known and worked with Fred for many years and his dedication and commitment to the mortgage loan consumer is impeccable. He will assist residents of PA in obtaining an ethical and transparent mortgage transaction each and every time.” 

Fred can be found at www.fredglick.com  or by email at fred@fredglick.com. Using a UMP will ensure the lowest available rate, guaranteed closing cost in writing, as well as many other benefits exclusive to a UMP client. 

Please visit  www.upfrontmortgageprofessionals.com to find a UMP in your State. If your interested in becoming a Certified UMP for your state, you may inquire at our site.

2015 Resolutions.. Are You Ready?

Become a Nationally Certified Upfront Mortgage Professional for 2015!

Many of today's Loan Officers are seen as relentless sales people- cold callers who care about their profit much more than the well-being of their clients and borrowers.  If you and your business affinity partner network are looking for a way to re-brand yourselves away from this image, consider becoming a certified UMP, and one of only 100 Mortgage Professionals with a National Certification administered by the Mortgage Professor Jack Guttentag.  With over 2 million hits a year for mortgage education and locating Upfront and ethical mortgage brokers, Professor Guttentag’s site is the

“Go To” site for your brand and all UMP inquiries for your state will come right to your email.   

UMP's receive the benefits of an exclusive or semi-exclusive State listing to market to Realtors, consumers, and other referral sources, and are a part of the 14 year Upfront 10 Point Commitment originator community, 

Visit- www.upfrontmortgageprofessionals.com   to learn how to start 2015 with your most successful January ever!

'Tis the Season.. for Mortgage Opportunities!

The holidays are quickly approaching, and with them, the opportunity for cash-out or to restructure your current loan!  

If you're a consumer looking for ethical and transparent mortgage banker or lender who is certified beyond the normal NMLS, an UpFront Mortgage Professional is your answer.

Only a UMP is certified and committed to offer a Free Rate Roll down after you lock to lower your rate if they come down before you close, able to guarantee closing costs and reimburse you for appraisal and credit, and provide you with the actual lender lock form and the cost or commission to us!

Visit the UMP site at www.upfrontmortgageprofessionals.com to find one in

your area and get a mortgage process and transaction that you have never had before! 

Have a safe and happy Thanksgiving, we're thankful to be able to serve you!

Does the Lowest Rate = The Best Mortgage?

Absolutely not!

Finding the best mortgage for you is not just about finding the lowest rate.  A mortgage is made up of 4 different components, and subsets within each,all of which go into obtaining the best overall loan financing for you and your family. 

"I believe one of the biggest reasons the mortgage market melted down in 2008 was the advertising allowed on TV and the radio, which promoted the lowest rates ever.  These rates were as low as .25%, yes, a quarter of one percent!   After working in mortgages and finance for almost 30 years, I have become exceptionally cautious of where I spend my money.  There are a lot of things you can and should buy at a discount.. socks, underwear, bottled water to name a few.  However, when you’re making the biggest and most important financial decision of your life do you really want to be a discount, 'Wal-Mart' shopper?"  -Jeff Jaye, UMP Principal

You can learn about the 4 pieces of a successful mortgage transaction, please look to a Nationally Certified Upfront Mortgage Professional (UMP).  Your UMP will help you figure out what rate and fee package will be best for your individual scenario, and is the only Loan Professional who has pledged a 10 point commitment to put honest and ethical service first, rather than commissions and hidden fees.

You can find one for your purchase or refinance transaction at www.upfrontmortgageprofessionals.com

Upfront Mortgage Professionals Welcomes Texas Affiliate, Marcy Wolf!

The Upfront Mortgage Professionals are honored to announce that Marcy Wolf of Action Mortgage in Texas has passed the Mortgage Professors’, National Certification test and become the 4^th UMP in the United States. 

 

Marcy represents the State of Texas and is a long time Upfront Mortgage originator. "The Upfront Mortgage Professionals are excited to have Marcy represented the consumers of Texas who are looking for a guaranteed 10 Point Commitment for purchasing and refinancing their homes” said Jeff Jaye, Founder of the Upfront Mortgage Professionals. “I have known and worked with Marcy over the last 13 years and she is a trusted colleague and will help Texans obtain an ethical and transparent mortgage transaction beyond reproach.” 

 

Marcy can be found at www.actionmortgage.com  or by email at marcy@actionmortgage.net.

 

 

Using a UMP will ensure the lowest available rate, guaranteed closing cost guarantee and a Free Rate Roll Down on every transaction. Please visit  www.upfrontmortgageprofessionals.com to find a UMP in your State.

 

If you are interested in becoming a Certified UMP for your state, please inquire at our site.

Throwback Thursday- Refi Mania!

Over the past week I kept hearing that we're experiencing Refi Mania, so I wanted to find out- what is this Mania, and is this a new phenomenon?

What I found is that Refi Mania was first identified in 1998, and was explained to the world with this article from Realty Times that year: 

http://realtytimes.com/consumeradvice/mortgageadvice1/item/24410-19980911_refimania 

To see that the country rallied around “LOWEST” rates at an avg. of 6.5% and that they are at 4.00% now goes to show you how really low they are!  6.5% is not that far from happening again, and it is important to take advantage of the opportunity we have in the existing Refi Mania Market..

To get an honest, ethical and transparent refi or purchase transaction go to www.upfrontmortgageprofessionals.com and find a Certifed UMP who will give you the UMP 10 Point Commitment that will guarantee your transaction!

Christmas Comes Early for Mortgage Brokers and Consumers

The mortgage industry was treated to it’s own version of Black Friday in October with the dip in rates to sub 4% for the first time in almost 16 months!  

The beneficiary are homeowners who now find themselves in an unfamiliar spot they haven’t seen in years.  Lowest rates AND equity!  Lenders have recently been loosening the purse strings to make refinancing and purchasing a bit easier and now with new found built up equity comes many choices to lower your payment, term in months, and even get some cash out for the Holidays.  

The Upfront Mortgage Professionals are here to help you with these important decisions. Certified Nationally by Professor Jack Guttentag, UMP’s deliver service above reproach with guarantees and transparency.  Please look for your UMP at www.upfrontmortgageprofessionals.com

To read more, please visit:

http://finance.yahoo.com/news/market-turmoil-gift-mortgage-refinancers-130138881--finance.html;_ylt=A0SO8y4seEZUMDoAWsZXNyoA

Top 7 Reasons Prospective Clients Want to Work with an Upfront Mortgage Professional

Top 7 Reasons Prospective Clients Want to Work with an Upfront Mortgage Professional:

 

1.)  UMP's have been Nationally Certified as one of only a handful of originators who have passed the educational test over and above the NMLS requirement.

2.)  UMP's offer the industry’s only 10 Point Commitment for every loan that includes a FREE RATE ROLL down option and full transparency.

3.)  UMP's can offer an additional 5pt Commitment that includes your own Upfront Realtor to protect your whole transaction.

4.)  UMP's are professional mortgage experts, not merely paper pushers: their exclusive web listing page on the UMP website captures every client inquiry in real time. These clients are not rate shoppers but looking for an honest,ethical and moral transactions.

5.)  UMP's partner site at the MortgageProfessor.com is the #1 in the US for educating clients needing a home loan, with 2.2 million hits a year for mortgage inquiries.

6.)  UMP's have a wider community of Real Estate Agents and partners, as the UMP brand and certification helps to set them apart from their peers.

7.)  As an UpFront Mortgage Professional (UMP), my primary fiduciary responsibility is to you, the client, in all processes of obtaining your UMP mortgage, not to my own fees and commissions.  I will quote all loans with an established Upfront fee that is built in to every loan quote you obtain, so you know the exact details of your transaction UpFront!

 

Visit  www.upfrontmortgageprofessionals.com today to see how a UpFront Mortgage Professional will help you today!

What makes an Upfront Mortgage Professional Different?

Only UMP’s offer you a Guaranteed 10 Point Commitment on every loan, which allows you to have an ethical, transparent and moral loan transaction.  Your certified Upfront Mortgage Professional also offers a free rate roll down after locking and guaranteed closing costs upfront, coupled with the lowest available rate lock your UMP has to offer.  And we even have an extra 5 point commitment for Purchase transactions, setting the bar higher than other loan officers or bankers, and ensuring we do everything possible to get you into your new home.   Go to www.upfrontmortgageprofessionals.com to find your UMP today!

 

UMP COMMITMENTS:

We’re Committed to Serve You

1.  As an UpFront Mortgage Professional (UMP), my primary fiduciary responsibility is to you, the client, in all processes of obtaining your UMP mortgage, not to my own fees and commissions.

We Know Every Borrower is Different

2.  I, your UMP, will use my best efforts to determine the loan type, features, and lender services that best meet your needs as a borrower, and to locate the best, UMP approved, lenders’ prices for your loan scenario.

We Put Honest and Ethical Service Before Commissions

3.  I, your UMP, will quote all loans with an established Upfront fee that is built in to every loan quote you obtain, so you know exactly how much I am making. The fee will be a set commission that is lender or client paid.  The fee will cover all services provided by the UMP, including any and all lender fees.

4.  All UMP loan officers will credit you, the client, 100% of  any and all lender rebates over the set Client UMP agreed upfront compensation. This credit can reduce the settlement charges to $0 (zero) if that loan option is chosen with the corresponding interest rate chosen by you, the client.

5.  Upon closing of the UMP loan transaction you will receive your pre-paid appraisal and credit report fee back. This will be done as a credit in escrow to your closing costs.

Efficient Service is Important to You and Important to Us

6.  Upon approval of your agreement to lock your loan on terms you have chosen, I, your UMP, will provide to you within 24 hours the actual lender final lock form to confirm your rate, lender premium credits if applicable, and closing costs package and impounds that you have agreed to for review.

We believe in Complete Transparency

7.  I, your UMP will send each loan quote and fee package with up to 3 other lender’s real-time pricing options, so you, will know you are guaranteed to obtain the best rates of the day.

8.  As an UMP, I guarantee the closing costs to you upfront. If at time of closing the amount due or owed is higher than the Upfront guarantee, I will personally pay the difference out of their pocket to close the escrow as guaranteed.

We Continuously Work to Find you the Best Rate- Even After Locking

9.  All UMP’s can offer you our exclusive “FREE RATE ROLL DOWN AFTER LOCKING” feature.  Once you agree to lock your loan on the terms you choose, I, your UMP will offer to re-lock your loan and get you a lower rate if one becomes available before your docs are drawn at NO COST or Re-Negotiation fee to you**

We’re Constantly Working to Improve Mortgage Industry Standards

10.  All UMP will hold the certification and pass the mortgage education classes by the MTG Professor before being allowed to become a UMP. They will keep this designation in good standing and complete all continuing education classes.

Introducing: UpFront Mortgage Professionals

Today 5 years and a lot of dreams come true with the launch of the newest UPFRONT concept from the mortgage professor Jack Guttentag and myself. The Upfront Mortgage Professionals and its 10 Point Commitment for the ethical and transparent origination of purchase and refinance home loans, launches.

I started the Upfront Mortgage concept 12 years ago with Professor Jack and this site is for originators who are both bankers and brokers and can handle all of your needs UPFRONT. We have the only Commitment in writing that guarantees you a transaction that is above all moral and you can track at each and every step

Visit my resume at: www.upfrontmtg.com and the UMP website at www.upfrontmortgageprofessionals.com

 

Jeff Jaye CLO NMLS 216715

Upfront Mortgage Professionl

925-699-6474