A Mortgage Brokerage Firm

         

     Finding a loan is not just about money.  It's about finding the right type of loan for your personal situation.  Lori succeeds at finding loans that fit your short term and long term goals.  With honest advice she will tell you if you qualify to purchase, at what dollar level you should stay under and if you have credit issues, Lori will also help and guide you to higher credit scores that will give you access to better loan programs, rates and term.  Her clients value her advice and council, relying on her to help make the right decisions.

     Lori Garrow has been in the Real Estate industry helping people since 1989.  She realizes one of the most confusing and complex issues of buying a new home is getting financed.  Everyone's finances are different.  That is why Lori approaches every client with a unique and open perspective.  Questions?  There's always questions.  Ask away!  If Lori hasn't already explained something or you didn't quite catch it all, Ask Away!  After all, this is one of the largest investments you'll ever make.  Lori wants you to be totally comfortable and knowledgeable about your loan.

     If you want to buy a home you need to get pre-qualified.  You can't get a loan without discussing your financial situation with a mortgage broker and you can't look for a home without knowing what price range you need to look in.  Most good Real Estate agents will pre-qualify their clients before taking them out to look for homes.  The vast majority of them are not lenders and often make mistakes.  Call Lori!  In just a few minutes on the phone she will be able to put you at ease, let you know how much of a home you can qualify for and what the payment would be INCLUDING taxes and insurance.  This is called P.I.T.I.  Something most lenders or banks won't be able to tell you until you've turned in a lot of paperwork and you've waited several days or more.  It's one of the most important numbers to know because it's the closest thing to your actual payment.

   Cobalt Financial is a wonderful place to obtain a home mortgage. In addition to offering competitive rates, hundreds of programs to choose from, and outstanding customer service, the company has a rich history of doing things the right way.  We pride ourselves on coming through for our clients when they need us most.  I want to rank first in service to borrowers.  If you're looking for a company with unwavering integrity and enduring values, I hope you will call me and consider using Cobalt Financial  Corporation for your mortgage needs. Cobalt Financial is licensed by the Department of Real Estate, Broker #01821025.

Sincerely,


Lori Garrow