Wednesday, February 18, 2009

Santa Monica Based Mortgage Agent Offers Special Service

Bill Rayman spent much of his early career on the set of the original Saturday Night Live. He has not lost any of his comedic wit now that he's helping folks with home mortgages in good times and not so good. Bill explains: "Refinancing a home or getting a mortgage for a new home may not be a laughing matter, especially in these times, but we all gain if we can keep a positive and happy outlook."


Besides keeping the mood light, Bill wants to be sure that he offers much more than the average mortgage broker. "My goal is to keep my clients well informed – certainly about rates, but also about all of the factors that effect their choices, opportunities, and decisions. In these crazy times, many homeowners and first time home-buyers have absorbed from the media a critical misunderstanding. The news seems to be giving folks the impression that there aren't any loans to be had, or that you have to have a huge credit score to get a good rate. This just isn't true.

"Many banks are lending agGressively with excellent rates to qualified buyers. But not all of my competitors are EVEN aware which banks are making what kinds of loans – in large part because few of them have access to all the lenders. Banks have drastically reduced the number of brokers they work with. To be effective today, you need to have correspondent relations with conventional Fannie Mae lenders, broker loans with portfolio lenders, have access to hard money, and be able to fund your own loans."

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By carefully analyzing my client's wants, determining the right type of loan, then pairing them up with the exact bank that is seeking that kind of customer, we create outstanding deals. The net result: We meet people's needs. We make people happy!"


Bill Rayman is Senior Vice President of Mortgage Capital located in Santa Monica. The majority of Bill's friends and clients are clustered in West Los Angeles, but he is capable of handling loans anywhere in the U.S. mainland and Hawaii. "I do regret that I never get to meet face-to-face with 90% of my clients. On the plus side, that means that only 10% know I'm not the spitting image of Brad Pitt, and that I can't walk on walls. Give me a call."