Price
Because we get our loans priced on wholesale volume, we pass that savings on to you.
Selection
With over 100 lenders to choose from, you get exactly what you need AND good pricing, not what the lender is trying to SELL you because they are running a special on it.
The Whole Picture
Most lenders are departmentalized and each department only knows a small piece of the whole picture to close your loan. So, when you go to a lender, they don't or won't tell you that you may not qualify or that something about the loan may cause a delay or a rejection of your loan request.
With Rockland Financial, we keep abreast of the entire loan process, each step of the way. Your loan is always in our control. If you don't qualify or there is something that will cause a problem later, I will tell you usually within the first 72 hours of the loan process. Not only that, but because of my extensive expertise and connections, I will offer suggestions and solutions to close your loan, as agreed and on time.
In the event that a particular lender does not like the loan, I can always pull it, and send it to another lender, at no additional charge to you, with only a couple days of delay. After all, I have 99 more to choose from.
When you go directly to a lender, if they don't like your loan, you need to start all over again with the paperwork and fees. That means it has set you back at least 3 more weeks, probably $300-500 out-of-pocket that the new lender is going to charge again, and all that paperwork needs to be filled out again and more copies need to be made.
Bait and Switch
Most lenders will not tell you that what you came in for is not what they're going to sell you. Let's say you want a 30 year fixed, and the lender does not usually sell that product, they sell mainly adjustable rate mortgages.
It's not their niche. Their policy is not to tell you. Why? Because once they've got you hooked for 3 weeks and sucked you dry, they figure you'll do anything THEY want, which is to sell you an adjustable or some other loan that the head office is having a promotion on (translation: more commission to the loan officer selling it to you, but there's nothing in it for you).
At Rockland Financial, I will give you a Good Faith Estimate within 72 hours of the loan process and you will know exactly what kind of loan you are getting, its terms and fees.
If I cannot get you a particular loan, I will advise you on what we need to do to make your loan request complete.
Convenience
You just fill out one loan application and bring the requested documentation, one time. I'll take care of the rest.
Convenient appointments are available, evenings and weekends.
Close Ratio
I have a 97% close ratio. That means a lot of very satisfied customers. Industry average is about 62%.
Referral Program
Refer a customer to me and get a $400 finder's fee.
Fee Discount
All of my repeat customers and those who mention this website get the usual $400.00 loan processing fee waived.
Additional Website Discount
Mention this website and you will get an additional .25 point discount off your fees.
On time
I guarantee that we will close your Purchase loan in 30 days or less. Most lenders assign their loans chronologically. Our refinances are done that way, however, all purchase loans are immediately moved to the top of the stack and have always got a PRIORITY status on them, so you can close your escrow on time, without hassles.
Guarantee
Your personal satisfaction is guaranteed or your money back. I have many, many customers who have come back to me 2nd, 3rd or more times because they appreciate the service they have received.
