If you haven’t experienced it before, the home loan process can feel overwhelming, but our agents will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, we partner with some of the best lenders in the industry, and we’d be happy to introduce you, so you’ll be taken care of.
• Thomas (Thom) Griffith
• 600 22nd St #100
• Oak Brook, IL 60523
• O 630.869.1077 M 630.205.2100
• E Thomas.Griffith@rate.com
How long have you been in the mortgage business and what inspired you to get into it?
21 years, I love helping clients buy and refinance their homes!
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
A fixed rate mortgage is great if you plan on staying in the home for more than 7-8 years. If that is not the case an ARM will work better for your family.
What are the top 3 misconceptions people have about the home loan process?
They need 20% down to avoid PMI, bad credit means they can't buy a home, 20% down is required to purchase property.
What provides you with the most satisfaction in your job as a Loan Officer?
Going to a closing and seeing how happy people are once they get the keys to their home!
Keller Mortgage is a Nationwide Lender offering a Zero Plus Loan Program exclusively to our clients. Zero Plus means that they don't charge the traditional lender fees, like an Origination Fee, Processing Fee, Underwriting Fee, etc. And for loans over $150,000, they give you an additional $1,000! On average this is saving our clients $5,000. That's CASH they don't have to bring to closing!
How can they do this and stay in business? Keller Mortgage doesn't spend a dime on marketing so they pass that savings straight on to YOU, the customer, with competitive rates and no lender fees. They also order a Home Appraisal on day one of the contract, helping you close faster. And if you terminate that contract, you don't pay them back for that appraisal. www.kellermortgage.com
