REASONS WHY YOU SHOULD TRUST THE DURBIN TEAM
What Questions to Ask a Lender When Deciding Whom to Choose?
AND WHY IT’S IMPORTANT
Q: How many years of mortgage experience does the loan officer have?
Having been through many years and economic cycles means they know how to navigate the market. Branch Manager Tevis Durbin NMLS #424899 and Loan Officer Jenny Durbin NMLS #505903 have more than 40 years of mortgage experience between them and offer a wealth of knowledge and expertise.
Q: How long has the loan officer been at their current employer?
Building relationships is key to providing excellent service. Tenure at an established employer is a testament to their loyalty, service, and financial stability. Tevis and Jenny have been at Supreme Lending for 10 years, and only three other mortgage companies since 2000. They value Supreme Lending as an industry leader and their shared mission of building relationships for life through superior customer service.
Q: Does the loan officer have a full-time dedicated assistant?
A: The more people dedicated to your loan, the better your experience will be. The Supreme Indiana Team consists of Tevis and Jenny, along with their dedicated Processor, Tina Wilson NMLS #1236811, who has been with them for eight years. With their close-knit team, borrowers can expect timely, round-the-clock communication every step of the mortgage process.
Q: Do they have a dedicated underwriter, and if so, how long have they worked with them?
A: It’s important to have the support of experienced, dedicated underwriters who understand the borrower and their local market. You won’t know this is important until it’s too late. Tevis and Jenny have worked with the same Underwriter at Supreme Lending for over six years, which is extremely rare in this industry.
Q: What is their strategy for potential buyers in today’s market?
This is especially important as the industry has recently faced some of the highest interest rates in more than 20 years, which has an impact on what rates and products your loan officer is offering. Ask what their outlook is for the next couple of years and what programs or incentives they offer to take advantage in the current environment.
A unique benefit the Supreme Indiana Team offers is The Supreme 2-Step Refinance*. When you finance your home with Supreme and then WHEN rates drop, they will offer to refinance your loan AND pay up to $2,000 of closing costs*. They also offer six different Low or No down payment programs and several down payment assistance options.
Q: What credentials and certifications does the loan officer have? Do they serve or participate on any industry boards?
Being active in the industry and passionate about their mortgage career helps loan officers leverage education and experience to better serve your needs. Tevis is a Certified Mortgage Advisor, along with holding degrees in Economics and an MBA in Finance. He is also active with the Hamilton County Board of REALTORS® and is on the State Board for the Mortgage Bankers of Indiana.
Q: What tools does the loan officer provide to enhance the home financing process?
Having the right tools in place helps simplify the loan process and educate buyers so they can make the best home financing decision. Supreme Lending offers cutting-edge technology and resources, a few including:
- MySupreme Mobile App
- Cost of Waiting to Buy a Home
- Rent vs. Buy Comparison
- High level overview of various mortgage options
*Two-Step program is only valid for Conventional conforming and government loans. Bond/DPA loans ineligible. Qualifying borrowers will receive a lender credit at closing to pay identified costs and fees. Refinance loan must be on the same property and same borrowers as the original purchase loan made by Supreme Lending Branch 651. Offer available through Supreme Lending Branch 651 for properties located in Indiana. Please consult with a Supreme Lending Loan Officer for additional details. Limited time offer subject to change or termination without notice. Cannot be combined with any other discount or offer; valid only for one qualifying refinance transaction with Supreme Lending Branch 651. By refinancing an existing loan, total finance charges may be higher over the life of the loan. Notices. Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129 (www.nmlsconsumeraccess.org), 14801 Quorum Drive, Suite 300, Dallas, TX 75254 (877-350-5225). Solicitations made to and applications accepted from residents in IN. © 2024. All rights reserved. Equal Housing Opportunity Lender.