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Merchant of the Month
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Great Rates and Impeccable Service!
Karen Hammett, Missie Edwards and Mary Griffin
This is precisely what Karen Hammett, owner of Howard Grace Mortgage, feels is helping HGM make it though the current mortgage "crunch". Despite the fact that many mortgage businesses are folding due to the sluggish Real Estate market and the demise of the Sub-Prime mortgage industry, HGM is hanging in there. They thank their many loyal clients who have trusted them and appreciate they go that extra mile to make their transaction flow smoothly, along with offering them the most competitive rates available, for giving them the strength to weather the storm.
Even borrowers with perfect credit, sufficient verifiable income and down payment , who sometimes don't think about using a Mortgage Broker, are happy they chose to use one. HGM stays on top of ever changing industry guidelines. Borrowers keep coming back due to our "Great Rates and Impeccable Service."
The recently signed Housing and Economic Recovery Act of 2008 has Mortgage and Real Estate Professionals scratching their head. Although the provisions don't take effect until October 2008 and some January 2009, there is quite a bit of confusion regarding the interpretation. It pays in the long run to deal with a professional who does business with several banks in order to insure that the loan is placed with the lender that offers the best product for the borrowers' unique situation.
Brian and Lisa Fabricant have been Karen Hammett's clients since the late 80's. They have followed her through several bank acquisitions to her own mortgage business. "Owning and operating a $15mm company takes most of my time. Having someone like Karen taking care of my mortgage needs is invaluable. She has come to my home on numerous occasions when it has been inconvenient for my wife and I to go to her office. 'Great Rates and Impeccable Service ' is not just a motto for Karen- it is how she runs her business. I am proud to refer her to my friends and business associates."
Missie Edwards, Mortgage Broker with HGM since 2003, has developed a strong following of loyal borrowers as well. Joseph and Lillian Goater, of Pompano Beach, rely on Missie to keep them informed regarding the latest niche programs available at the bank most postured to meet their needs. "Missie makes me feel like I am her most important borrower. She takes a personal interest in my loan, keeping me up todate on the entire process. I rarely have to even pick up the phone to call her, she beats me to it!!"
Mary Griffin, Mortgage Broker, the newest addition to the HGM staff, has quickly and passionately developed the HGM "attitude". Mary chose HGM due to the company philosophy. "We really enjoy growing the business the "old fashioned" way — one satisfied borrower at a time — no tricks — no gimmicks — just 'First Class' service! And, we go to great lengths to find the most competitively priced banks out there."
HGM is very active in the Deerfield Beach and Lighthouse Point Chamber's of Commerce. According to Karen, " It's not only an effective way to build our local business and get our name out there, but it is actually a lot of fun. We really try to support one another especially during these tough times. Staying involved and maintaining a positive attitude has really helped us get through this."
"We are proud that we have maintained our stability. I am confident we will make it through this. We thank our loyal borrowers and the friends and family that they continue to refer us. Without them we would not be where we are today! Howard Grace Mortgage is located at 625 SE 10th Street in Deerfield Beach. Call 954-421-3255
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