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CONTACT
Dennis Owens
c/o
Sigma Mortgage
9220 Teddy Lane, Ste 1000
Lone Tree, CO 80124
Fax
Sat/Sun call:
USE THIS TO EMAIL ME
E-mail
IMPORTANT! Please be sure to read and agree to the Legal Disclaimers pages before you email or call me for any financial advice or services.
Thanks!
DCO
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FOR YOUR NEXT MORTGAGE LOAN, CONSIDER ME AND MY SERVICES
I use my experience, and the latest state-of-the-art software technology to search and locate the best loan and rates for you nationwide! In addition, I provide a great amount of time and effort researching the many lenders special monthly program and rate announcements that they fax to our 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 his clients the best loans and rates from lenders nationwide!
BROKERS OFTEN GIVE
THE BEST SERVICE
REASON: Typically, in an A+ credit loan type situation, the borrower may find they are pleased with the overall services provided by any of the mentioned loan facilities. However, since most of these representatives are salaried employees with in-house loan qualification and rate guideline retrictions, they are often more successful with easy to process types of loans. And when there are any problems with title, credit, income, debt qualification etc., then they often reject the loan or raise the rate. Why? Because 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 loan placement and processing.
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. Thats 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 need for the many various loan types and services are so vast, that it sometimes becomes too impersonal. The reason for this I assume, is that their staffs are very, very busy. And so they have a limited amount of time to spend on any one particular loan application.
I believe that each client loan requires that I understand their personal situation, needs, and goals in order to do my job properly. There are many loan strategies available. However, in order to perform such loan strategies correctly, I must uderstand 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 my 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. I feel all consumers should be able to rely upon their chosen broker, banker, or loan officer to represent them professionally. Furthermore, I believe consumers are sometimes placed in the wrong loans, with either needlessly too high of an interest rate or charged excessive fees. A good loan representative can avoid these types of problems and get their clients a good loan and rate.
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 I have stated before, you need use a loan representative you can trust. If by chance, you have no such contact person, then please consider giving me a call so we can discuss your financial goals and needs. At which time, I can provide you with some direction and free advice.
I OFFER YOU TRULY
PERSONALIZED SERVICES
I offer extended hours beyond the typical 8-5 Monday through Friday work schedule. Whereby, I am available to my clients, appraisers, etc., by telephone on weeknights and weekends on an
as-needed-basis 7 days a week.
I look forward to talking with you soon. You can reach me at or at 1- M-F. On weekends call me at .
Dennis Owens
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LOANS TO FIT ALL
YOUR NEEDS:
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
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