WHY FLAGSHIP
Company History:
Flagship Financial Services was established in 1989 by the former staff of Amerifirst Mortgage Corporation in Ft. Lauderdale. In the early 1980’s Amerifirst was the largest residential lender in Florida. Flagship’s president brought fifteen years of lending experience at Amerifirst to the new company. With the closing of Amerifirst, Flagship continued doing business with its former realtor & builder clients and has continued to prosper through referral based business!
How to Choose Your Lender:
Choosing a lender that you want to work with involves several factors, not the least of which is an open mind. You need a lender that can be flexible when you need it and get the job done on a deadline. You need a lender that is large enough to have pull, but small enough to give you personal attention. And, most of all, you need a lender that can deliver what it promises. Two important points to consider:
a. Length of Time in Business
Since the mortgage brokering business is not highly regulated in most states, there are a lot of “fly-by-night” operations. Bad news travels faster than good news in business, so bad mortgage brokers don’t last too long. Look for a company that has been in business for a few years. Also, ask for referrals from other investors and real estate agents.
Flagship has been in business since 1989 and has maintained an excellent track record of great customer service combined with decades of knowledge & experience. We welcome the opportunity to supply you with builder, realtor, homebuyer, and refinance references!
b. Company Size
A company that is too big can be problematic because of high employee turnaround. Also, the proverbial “buck” gets passed around a lot. If you are dealing with a mortgage broker, it is often a one-person operation. Dealing with a one-man operation may be good in terms of communication if he or she is a “go-getter.” On the other hand, the individual may be hard to get a hold of, since he or she is answering the phone all day. A small to mid-sized company is a good bet. You will be able to get the loan officer &/or processor on the phone, and he or she will have a good support staff to handle the minor details. Also, a mid-sized company may have access to more wholesale lenders than a one-person company. Flagship has access to 100's of investors as well as the ability (& preference) to lend our own money on most loans. Our staff is always available M-F from 8:30am-5pm. As your loan officer, I am available via cell or email 7 days a week.
What you can expect from me:
As your loan officer, I pay attention to each detail of your transaction. When presented with your contract, I recognize that your initial deposit has been made & that you are counting on me to protect that deposit as well as the purchase. That is why a thorough, accurate loan quote right from the get-go is so vital to your transaction. As your loan officer, I will always do everything in my power to protect your money, your interests, your purchase and to meet all timelines & dates set in your purchase contract. If you complete a loan application with me, my primary goal is to get you to closing and to get you to closing on or before your closing date!