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CONTACT Dennis Owens Preferred Financial Group 7373 S. Alton Way Ste 201 Centennial, CO 80112 Cell Phone: 720-297-6117 Sat/Sun: Dennis - Residence: 303-933-9469 USE THIS TO EMAIL ME 
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IMPORTANT! Please be sure to read and agree to the Legal Disclaimer pages before you email or call me for any financial advice or services. |
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FOR YOUR NEXT MORTGAGE LOAN, CONSIDER MY SERVICES
I use my experience, industry contacts, and state-of-the-art loan related computer softwares to search and locate the best possible loan rates for you nationwide! In addition, I provide a great amount of my time and effort researching the many lenders special monthly programs and rate announcements that they fax to our office daily.
BROKERS OFFER
THE BEST RATES
REASON: In many cases, a Broker does in fact offer their customers the best loans and rates compared to alternative Mortgage Bankers, In-House Loan Officers, or others who represent banks, credit unions, finance companies, and large mortgage companies. Because, these alternative types of loan representatives are usually restricted to offering their only their own company's loan programs and rates. While a true Independent Broker can offer their clients the best loans and rates from lenders they can locate nationwide!
BROKERS OFTEN GIVE
THE BEST SERVICE
REASON: In some cases, an A+ credit loan type borrower may find they are pleased with the overall services provided by any of the mentioned loan facilities. However, since most of these lender's representatives are salaried employees, who are limited by their own in-house loan qualification and rate guideline restrictions, they are often more successful with such easy to process types of loans. And yet when there are any problems with title, credit, income, debt qualification etc., then they often reject the loan or raise the rate. Why? Well the loan becomes more difficult for them to get approved. The Independent Broker on the other hand, has an advantage in placing such loans. Because, the Broker tends to be more experienced in all types of loans and with any needed corrections, then the placement and processing of many types of loans.
Brokers gain much of their business through satisfied client referrals. And often tend to be more motivated towards customer satisfaction. And why not! It is their livelihood on the line! Since brokers are not salaried employees, they are often more motivated to spend the extra time needed with each individual client and loan. Partially, this is due to the fact that they ONLY GET PAID FOR THEIR SERVICES WHEN THEY SUCCESSFULLY ACHIEVE THEIR CLIENT'S LOAN. That shows confidence and service!
BROKERS, BANKERS ETC.,
ARE NOT ALL THE SAME
REASON: First, don't confuse a mortgage banker with a broker. They are not the same at all. The mortgage banker works for a bank. The independent broker works with various lenders. Next, is the difference between a true independent broker (loan officer) verses a loan officer or broker who works within the limits of the loan offerings and rates of his/her own company. Such as banks, credit unions, finance companies, and some of the larger mortgage companies. The true independent mortgage broker, like myself, certainly works with the greatest flexibility in seeking and placing a variety of loan types
ABOUT ME AND THE
LOAN INDUSTRY
The loan industry has grown to become so large, and the various loan types and related services are so vast, that it sometimes becomes too impersonal. The reason it is often so impersonal I assume, is that the lender's staffs are simply very busy. Consequently, they often have only a limited amount of time to spend on any one particular loan.
In contrast, I believe that each client's loan requires that I get to know and understand their overall personal situation, needs, and goals, in order to perform my job properly. There are certainly many various loan strategies available. However, in order to perform such loan strategies correctly, I must understand my client's time fames, income forecasts etc.
People and their loans often just seem to get lost in the shuffle at many banks etc. But I make all my clients a high priority, for this reason I only accept a reasonable number of clients at any given time. This way, I know I can service all my clients properly.
YOUR SELECTION OF A
LOAN REPRESENTATIVE
I realize that you have your choice of selecting between many different brokers, bankers, and loan officers to represent you in your next mortgage related loan. But please don’t just assume they are all the same. As I have menioned before, many of these loan officers are restricted to offering only their own banks or company’s loan programs and rates. While I on the other-hand, as an independent broker have access to about every loan program and lender in the country!
Then there is the issue as to these various representatives themselves. And how their individual efforts and abilities have plenty to do with the final resulting loan and rate you receive. Many representatives just don’t do the proper research to secure you with the best loan possible. Or in some cases, the loan and rate are pretty good, but the fees are a bit excessive. This is where I feel I am often of the greatest help to my clients, during the loan selection and processing phases. I work harder at doing a better overall job than most loan representatives seem to do. I believe it just boils down to my enjoying my work and feeling compelled to spend the extra time needed with my clients and their loan needs.
ACHIEVING A LOAN
The secret of a successful loan is not all that complex, you just need a professional representing you!
As mentioned above you will need to use a loan representative you can trust. If by chance, you have no such contact person, then please consider giving me a call. At At which time we will discuss your financial goals and requirements. I will then provide you with some direction and free advice.
I OFFER YOU TRULY
PERSONALIZED SERVICES
Call me anytime that is most convenient for you. I would be happy to discuss your needs. You can reach me at
720-297-6117.On weekends call me at my residence at 303-933-9469.
Dennis Owens
Senior Loan Officer
MORTGAGE LOANS TO FIT YOUR NEEDS:
Call Dennis Owens
Cell 720-297-6117
Conventional 1st
Sub Prime 1st
Bill Consolidates
Home Inprovements
Rolls 2nd w/1st
2nds (all types)
Cash-Outs
Refinances
VA Streamlines
Self Employed
Low Docs
No Docs
Stated Income
Non Fico Loans
Hard to Get loans
Free Loan Advice
