Hometrust Mortgage
Phone: 417-877-4777
Email: jbaskins@hometrust.com

>> Why Choose Me?

Families overwhelmingly prefer a Mortgage Bank approving their loan locally.  Makes sense, as families avoid errors, identity risk and wasted time, all while enjoying an accountable professional right in their community.  I insist on being a fully-licensed certified LOCAL APPROVAL Mortgage Bank.  Decisions done right, and done right here. 

Below are the primary things you should know about your choice between a Broker vs. a Mortgage Bank like myself.

BROKERS:

1. BIRDDOGS: Brokers are just loan agents - "birddogs" retrieving clients for distant lenders.  They make no loan approval decisions, which often leads to many negatives for you (see Credit Tips).  Many brokers charge non-refundable fees, so they make money even when you don't get your loan.  Many local banks are now mortgage brokers, as they prefer the lower overhead and staff, while avoiding any risk from decision-making.
2. NO LOCAL LOAN APPROVAL: To lower risk and expense, some bankers still ship files to outside decision-makers for loan approval - increasing closing time and often causing errors from their lack of local knowledge of our market.  Even worse, this out-sourcing spreads your identity information to countless others. 

JEFF BASKINS:

1. DECISION MAKER: I fund your loan with our own money.  We remain responsible for complete, legal and timely documentation, so our level of competence and experience is higher. 
2. LOCAL LOAN APPROVAL: We are true lenders - Originating, Processing, and Loan Approval all done locally.  This maximizes your identity protection, minimizes closing time, and avoids "communication" errors.  You talk directly to the decision-maker, Jeff Baskins.

CREDIT ISSUES: You do NOT need to go to a broker if you have credit issues.  All those programs are available at my properly-equipped mortgage bank.  Call me today and let me deliver you a much better result.