Your Favorite Mortgage Blog

WANT TO PROCESS LOANS IN A FUN AND POSITIVE ENVIRONMENT?

Mark and Rhonda Kuchik — Wed, 03 Jun 2009 19:59:15 +0000

Then read on . . . We are looking to hire a GREAT processor immediately. We are located at Keystone and Carmel Drive in Carmel. We are celebrating our Twelfth Year in business. We are a growing company with dedicated, conscientious members on our team. We’re odd in that as far as mortgage companies go, we don’t have a lot of office politics. We enjoy a vey positive working environment.

Our business platform is the best of both worlds in that we are affiliated with a federally chartered bank with the continued ability to broker. We offer every loan product from FHA to custom niche products tailored for the Indianapolis market.

We are a family-oriented company and we take the time to hire great people. A great person is someone who is good from the inside out, and who wants to always get better. Honesty, integrity and a positive outlook are essential qualities of an associate here.

Our business is much different than most other mortgage companies out there because we do no advertising – ZERO. We do not do any telemarketing and we do not buy leads. We pride ourselves on being one of only a few mortgage companies in Indiana that does business by “Referral Only”. We offer such a great level of service to our clients that they automatically want to work with us again, and they refer friends, family and co-workers to us.

All of our business comes from word of mouth referrals and we focus on one client at a time, meeting the needs of the individual and making sure they are taken care of. That is why this position of Processor is extremely important. It is a full-time position and the hours are 8am – 5pm.

Our processors work together closely. Specific responsibilities for this position include: ordering verifications, subordination, title and appraisal; ensuring the application is fully complete; contacting the borrower for any missing or additional documents; scheduling closings and confirming the details with the client; inputting application data and running DU; issuing pre-approvals and assist updating our clients on a weekly basis.

The starting pay for this position is a base salary of $2300 – $2700 per month plus benefits. We offer excellent benefits, including Blue Cross Blue Shield health insurance, a 401 retirement plan with matching.

Qualifications for this position include the following:
• At least 2 years mortgage processing experience
• Track record of being detail-oriented, and works well under tight timeframes
• Spectacular phone skills
• Credit report with a 640 FICO or higher
• Successfully pass a criminal background and drug test
• Reliable transportation
• 100% honest at all times with customers and co-workers
• Always polite and tactful
• Punctual – here and ready to work by 8am
• Likes to have fun at work
• Strives for progress each day
• Gets to know people where they work
• Understands that buying a home is a big deal and treats it that way

Do you meet these qualifications? Do you have a positive outlook on life? Do you want to achieve at a high level as part of a successful team?

If this position and company sound like something you might be right for, please fax your resume to 317-846-1260, Attention: Rhonda.

Heaven On Earth

Mark and Rhonda Kuchik — Wed, 27 May 2009 13:45:10 +0000

So this was our first visit to Lake Tahoe. A real estate training summit took us to the Hyatt on the north shore of Lake Tahoe. We were in total awe of the huge beautiful blue lake, enormous smooth rocks and snow capped mountains surrounding us. Being from Indiana, this was jaw-dropping natural beauty unlike anything we’d seen in the US. We took a boat out on the lake Saturday afternoon. It was almost surreal being on a boat in bathing suits with 80 degree weather seeing snow on the mountains. It truly is a spectacular site.

That evening we had the privilege of staying some friends in South Tahoe and that was a whole other treat. They took us hiking near Emerald Bay. I’ll post a picture in the next day or so. It was absolutely breathtaking and exhilarating. If you’ve not been to Tahoe, make plans now. We are planning a family RV excursion out there for next summer.

Don’t Get Caught in the Storm

Mark and Rhonda Kuchik — Mon, 13 Apr 2009 15:01:22 +0000

There is a growing problem in the mortgage industry that is unfortunately becoming acceptable by most real estate professionals. This problem is affecting thousands of homebuyers every day. THE TRUTH IS – it can be avoided. Don’t fall into the trap thinking that you have no other option. Learn the facts.With the rapidly changing guidelines for mortgages, most banks and mortgage companies are not taking the time and making the effort to stay on top of the changes. As a result, the clients are finding out days, if not literally hours, before their closing that they are not approved and/or they cannot close on time. Think about what you would do if you were to find yourself and your family in that position. It is 36 hours before closing. You have all of your belongings – everything you own – boxed up and being loaded onto the moving truck. Your loan officer calls you. “Uh, there is something I need to talk with you about. Uh, your loan, well, uh, it got denied.”

You can prevent this danger from happening to you. There is one mortgage company in Carmel that guarantees purchase loans will close ON-TIME. MAK Mortgage pays attention to details and takes proactive steps to protect our clients. We meet with you face to face, learn all the facts and identifies from Day One any potential issues that need addressed. The MAK team knows and understands the guidelines so well that we can properly structure each loan.

Fondly known among the local real estate community as the “Rescue Specialist”, I have saved four families already this year who were faced with the dilemma of being told days before their scheduled closing that their bank or mortgage company cannot get the loan closed as promised. Days and even hours before the closing, I met with the client, structured the loan properly and got the deal closed on time!!

Work with a team of caring, dedicated mortgage professionals to ensure you have the best options. A little proactiveness goes a long way in protecting your interests and your possessions. You want to work with a professional that is committed to protecting you. MAK Mortgage, like Hartman Inventory, takes care of the details so you don’t have to sweat the little stuff.

Despite what you may hear, there are very low down payment options available. Take advantage of the Perfect Storm – the unprecedented combination of low interest rates, tax credits and very affordable homes. And moving is a perfect time to inventory your belongings. Click here to learn more about taking an inventory of your personal belongings www.HartmanInventory.com

How Did John and Amanda go from Devastated to Delighted?

Mark and Rhonda Kuchik — Mon, 30 Mar 2009 23:35:18 +0000

John & Amanda were finally ready to move up to a bigger home and were referred to MAK Mortgage by their realtor. They were fortunate to find their dream home and quickly received an offer on the sale of their home. The closing on both the sale and purchase were set for the same day. Two days prior to closing they were informed that the buyer’s financing for the sale of their current home had been denied. They were devastated! They couldn’t close on their purchase until they sold their house.

In an effort to help John & Amanda realize their dream, we asked permission to speak with their buyer to see if we could help him. Although the buyer was already resigned to the fact that he wouldn’t be able to purchase a home, we successfully matched him with a loan program that allowed him to qualify for the purchase. Within two days of working with the RIGHT lender, everyone was happy … they ALL closed on time.
P.S. Who do you know from your office or church that is talking about buying a new home? Don’t let them end up with boxes on a truck and nowhere to go. Refer them to us today! 877.846.1250

Talent, Experience and Passion ~ ALL IN ONE

Mark and Rhonda Kuchik — Mon, 09 Mar 2009 22:51:18 +0000

After several weeks of talking to and meeting with a number of highly qualified candidates, we found the perfect match. Our new Loan Partner comes to us with tons of experience – everything from underwriting to originating, and all of it in between. She possesses a natural talent for effective communication which is the crux of any service business. And, most importantly, she exhibits such a passion for helping homebuyers and homeowners. Her biggest kick is to take a client’s application, get them approved and then mother them through the whole process. She is serious about going over and above for each and every one of our clients and referral sources. Just wait until you meet her. You’ll see why she is such a natural fit for our team. Call on Monday March 16th to welcome her! 317.846.1250

Looking for a Job with a Great Mortgage Company???

Mark and Rhonda Kuchik — Wed, 11 Feb 2009 15:34:22 +0000

Then, take a couple of minutes to read and then RE-READ this description.

We are located at Keystone and Carmel Drive in Carmel. We are celebrating our Twelfth Year in business. We are a smaller company with a team of 6. We’re odd in that as far as mortgage companies go, we don’t have a lot of office politics. We enjoy a vey positive working environment at MAK Mortgage.

We are a family-oriented company and we take the time to hire great people. A great person is someone who is good from the inside out, and who wants to always get better. Honesty, integrity and a positive outlook are essential qualities of an associate here.

All of our business comes from word of mouth referrals and we focus on one client at a time, meeting the needs of the individual and making sure they are taken care of. That is why this position of Loan Partner is extremely important. It is a full-time position and the hours are 8am – 5pm.

This position is so valuable because I think of my Loan Partner as my right hand person. An effective Loan Partner allows me to focus on bringing in quality business while we consistently deliver great service to each client.

The Loan Partner is responsible for the following things: setting appointments for inquiries and new clients; pre-qualifying new clients, updating all active clients in our pipeline on the status of their loan once a week; tracking and following up on all leads and referrals; calling and connecting with our past clients and referral partners; calling realtor and business partners for appointments, feedback and follow up.

Eventually, the Loan Partner will assist in taking the client’s application and will place and price the loans. What truly makes this position a home run is finding the detailed, organized person with a sales edge – the person who enjoys and is good at converting leads once they come in the door and then nurturing them through the whole process.

The starting pay for this position is a base salary of $2500 per month plus bonus incentives and benefits. The potential compensation is $45,000 – 60,000. We offer excellent benefits, including Blue Cross Blue Shield health insurance, a 401 retirement plan with matching.

Qualifications for this position include the following:
• At least 4 years mortgage processing or sales experience
• Successful history of building client relationships
• Spectacular phone skills
• Credit report with a 640 FICO or higher
• Successfully pass a criminal background and drug test
• Reliable transportation
• 100% honest at all times with customers and co-workers
• Always polite and tactful
• Punctual – here and ready to work by 8am
• Likes to have fun at work
• Strives for progress each day
• Gets to know people where they work
• Understands that buying a home is a big deal and treats it that way

Do you meet these qualifications? Do you have a positive outlook on life? Do you want to achieve at a high level as part of a successful team?

If this position and company sound like something you might be right for, please fax your resume to 317-846-1260, Attention: Rhonda.

What’s the temp in San Francisco? Well, if you live in Indianapolis, you probably don’t care

Mark and Rhonda Kuchik — Wed, 28 Jan 2009 01:11:09 +0000

Same thing goes for housing trends. If you live in Indiana, you don’t need to know what is happening in California and Florida. You are concerned with what is happening right here, in your neighborhood. Know this - RIGHT NOW, in Central Indiana, it is a great time to buy a home!

When you rely on the national media as your resource for the housing market, are you listening to relevant information? That would be like muting Angela Buchman and only listening to the national weather report on the Today show to figure out how to dress your kid for the bus stop.

Talk with LOCAL EXPERTS. Call our office, we can refer you to an experienced REALTOR who we trust. The time of the market is like “The Perfect Storm”. This is a huge window of opportunity. Interest rates are at or near historic lows, home prices are amazingly affordable and lots of inventory is available. It is the ideal environment for step up and first time homebuyers. Buyers can get tremendous value for their money plus their home will only appreciate once the market rebounds.

Call today to learn how to take advantage of “The Perfect Storm” 317.846.1250.

Is “Easier” Really BETTER for YOU?

Mark and Rhonda Kuchik — Mon, 26 Jan 2009 16:33:14 +0000

Last week we received a call from a previous client, Jason, who was extremely frustrated. He and his wife, Susan, wanted to refinance their home and thought that it would be “easier” to just go through the lender they make their payments to.

After starting the process, they found their lender’s poor customer service and lack of communication to be overwhelming. We reviewed the program their current lender proposed to them. What was “easier” for them was not only costing them extreme frustration, it was costing them $25,000. We found they were being put into a high cost loan that included PMI.

Our program had NO PMI, plus we saved them an additional $69 per month which translates to $25,000 over the life of the loan! More importantly, Jason & Susan are relieved to know that they are being taken care of by someone they trust! Call MARK at 317.846.1250 for the real deal!

P.S. Do you understand that WE ARE YOUR MORTGAGE COMPANY. Not the lender whose customer service number appears on your billing statement. They have no vested interest in your well-being. We do. We care about you.

Home Purchase Loans are OUR PRIORITY

Mark and Rhonda Kuchik — Thu, 15 Jan 2009 19:23:03 +0000

Many lenders are caught up in this crazy wave of refinances. Their underwriting turnaround time is averaging three weeks (rather than 24 hours) and it is taking days (rather than a couple of hours) to just schedule the loan for closing once the conditions are cleared.

MAK Mortgage is careful to not get caught up in that wave of chaos. We are remaining FOCUSED on PURCHASES. That is why we are able to offer a guarantee that no other lender in Indiana can offer. We will close your purchase loan ON-TIME, or we will pay you $2,000. Call for details – 317.846.1250

ON-TIME CLOSING GUARANTEE – or we pay $2,000 of your closing costs

Mark and Rhonda Kuchik — Mon, 12 Jan 2009 16:11:34 +0000

What lender is willing to GUARANTEE that YOUR CLOSING will close ON-TIME? Only one . . . MAK Mortgage.

MAK has the systems and a superior staff committed to closing purchase transactions. While all other lenders are whining about slow turnaround times, backed up underwriting, and not closing on time, MAK Mortgage is taking proactive steps to take care of you.

CAUTION: Other lenders are riding the waive of refis right now. MAK Mortgage remains focused on purchases. Know that purchase transactions are the priority with us, and to back up our commitment, we guarantee that your home purchase loan will close ON-TIME.

Why risk not moving when you plan to? Call Mark today at 317.846.1250.

P.S. This guarantee is for purchase loans only when application is made 30 days prior to the scheduled closing. Acts of God affecting the closing date may void the guarantee as will the acts or ommissions by the client that result in delay of the closing (ie. being out of town and inaccessible, not providing requested documentation, etc).