David Rathgeber's

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Mortgage Lenders

It is imperative to get approved for a loan with at least one mortgage lender of your choice as the first step in the home buying process. Choice of a lender is crucial as the contract exposes you to automatic loss of your earnest money deposit if settlement does not occur on the agreed Settlement Date for any reason other than Default by the Seller(s). I offer the following lenders for your consideration:

• Ameris Bank - Greg Fritz - NMLS# 476390
  703-624-5959 - or - email
• SWBC Mortgage - Dave Oliverio - NMLS # 79218
  703-574-2715 - or - email
• Sandy Spring Bank - Curt Midkiff - NMLS # 186923
  703-507-1002 - or - email

The lenders above have served my clients well for decades. Their rates and fees should be competitive. Their level of service will be exceptional!

While I am happy to provide information on mortgage companies, home and radon inspectors, and settlement agents, be assured that my sole concern is to put you in contact with those who will serve you well. I never receive any more than a "thank you" from any of these people.

Here are some important considerations when choosing a lender:

• Be sure your contact has an NMLS number. This establishes a minimum level of competency. Lenders can be checked at https://nmlsconsumeraccess.org
• If it takes 2 minutes or more for your lender to "pull up" your file, this could be a problem as well as a waste of your time. Further, they are likely not passing the money they saved on their cheap computer equipment on to you.
• If you find you are dealing with a different person every time you contact the lender, this could be a problem: Important details are likely to be overlooked.
• Score extra points if your lender is "connected." That is, you have done business with them before or you got their name from a trusted source. Do not shoot in the dark on-line.

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AFiRE — Florida-licensed real estate broker
A Friend in Real Estate, LLC

YFiRE — Virginia-licensed real estate broker
Your Friend in Real Estate, LLC




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