Competitors

Rates

We offer the lowest rates available by lending directly from our cash reserve.

We will LOCK your rate to prevent it from increasing  until the day of closing.

Layers of lending institutions,Brokers fees and commissions, all create more expense that is passed on to you.

Some companies will not guarantee your rate.  Your rate could be higher when you go to closing. 

Fees

You see all our fees up front, in writing, so you can compare. Our fees are never more than $100 from our original estimates – Guaranteed.

Some lenders do not disclose closing cost fees before you apply and never guarantee they will be the same at closing.

Service

Our entire mortgage process is completed right here in our Allentown office. Your personal financial information never leaves our hands.

Your personal information can be touched by as many as 30 people before you get your money. Do you know who is looking at your information? In addition, most companies ship your information to other states for review and approval

Communication

Stop by anytime, meet the person that is going to approve your loan. Our team will give you updates immediately as to the status of your approval.

“push 3 if you want service, push 4 if you want rates, push 5 if you want to make a payment”

Experience

Steve Stelzman has been financing residential homes for more than 23 years in the Lehigh Valley. It would be difficult to find anyone that has more years in the business that will take your mortgage application.

Ask the individual on the other end of the phone how many years they have been working with Fanniemae and FHA mortgage financing. The average is 4 years

Appraisal

We rotate local professional appraisers that work and live in your community. Our appraisers understand our marketplace

Your appraiser may be assigned to come from as far away as Philadelphia or Scranton.

The Closing

We will be at your closing to answer any questions you may have. In addition, our papers will arrive 48 hours before the closing along with the check.

Most lenders do not attend closings. A recent survey showed, that closing documents did not arrive or were late 95% of the time. Late documents and money creates delays that could be costly to both you and the seller.