Shmuel Shayowitz (NMLS#19871) is President and Chief Lending Officer at Approved Funding, a privately held local mortgage banker and direct lender. Shmuel has over two decades of industry experience, including licenses and certifications as a certified mortgage underwriter, residential review appraiser, licensed real estate agent, and direct FHA specialized underwriter. Shmuel provides a uniquely holistic approach to comprehensive real estate and financial matters that goes well beyond any single transaction. Shmuel is an award-winning financier recognized for maximizing the short-term and long-term objectives of his client. As a contributing writer to many local and regional newspapers and publications, his insights have been featured in the media for many topics, including mortgages, personal finance, appraisals, and real estate trends.
I was recently approached by a friend “in the business” who asked me why I share my knowledge so freely – and if I was worried that “my competitors” would copy my ideas and content. I told him that it was definitely a concern of mine for a while which prevented me from participating in many unique marketing experiences and opportunities, but I have changed my attitude about it. At the same time, it is true that the articles and advertising that we do for Approved Funding are all closely watched and mimicked by rivals – so I did want to take the time out to give them a special shout-out for being such loyal and committed readers and spectators – thank you!
At the same time, part of what gives me the confidence of being so open and forthcoming in my articles and consultations is that I am a firm believer in providing continuous “value” to my clients and business partners. If my efforts merely stopped at the surface, then I would be no different than the myriad of other mortgage companies vying for new business. While the concepts we share to the general public is easy to copy and incorporate elsewhere, that is likely where the material will end elsewhere; Whereas with Approved Funding, the benefits first begin with the dissemination of information like this – and the value and benefit will keep coming well after the loan is closed.
Mortgage applicants can’t truly appreciate the countless areas where the proper tools, resources and guidance can bring tremendous advantage to them. These solutions are not only practical and sensible, but they can also yield substantial profits, savings, and discounts for the right individuals. For many brokers and banks, a loan is merely a transaction with a set amount of tasks and conditions that need to be met. That makes for a cold and impersonal “transaction”. With Approved Funding, our objective is to get our clients to the closing table with the right financing for their needs, while making sure our clients are not “alone” during that process.
We offer in-depth guidance on the right loan products to maximize a client’s financial objectives during our consultations. We offer practical advice and assistance on improving one’s credit report and credit scores for both creditworthy applicants as well as those with than favorable credit. We provide the best tools and resources to maximize interest rate and financial market movements to capitalize on “locking-in” for the most favorable interest rates possible. We offer optimal analysis to make sure that a mortgage is not only obtainable, but that it is financially beneficial and worthwhile based on the costs and duration. These are but a few of the countless avenues that we explore and discuss with each and every client to make sure we get it right the first time.
A loan is a loan any way you slice it, but making sure our clients are “not alone” during the process makes us unique and incomparable in ensuring client satisfaction each and every time. In the instances where someone may be buying a home for the first time or trading up to a luxury home, or perhaps down-sizing to a retirement home – the advice and guidance will be different each and every time. You will get the loan, and you will not be doing it alone. Similarly, when evaluating whether a refinance is prudent, you will get the details, analysis and unbiased direction to make sure that what you are doing is in your “best interest”. Getting a loan when all of your needs are addressed makes the process a lot more rewarding and manageable. We are here to help every step of the way.
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