Woodhaven Mortgage (Listing id 18192)

Phone No : 801 968-8510

4239 Long Valley Drive
Salt Lake City Utah 84128
United States

Never before Insider's information on what takes place on the mortgage floor - insider report - whistleblower mortgage - mortgage fraud - unethical practice - Learn the tactics some mortgage lenders use to get you to sign while lining their pockets.

At one point - I was attempting to price a refinance loan for a customer with a middle credit score around 640 - a low debt-to-income ratio and a 90 LTV. The customer did not have any late payments on his mortgage - so I attempted to put him into a 30-year
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fixed. I asked a senior loan officer for advice. His exact words were: You don t want to put this guy into a 30-year fixed - if you want to get a customer a great deal - then go work for a bank. If you want to make money here - you are going to have to sell people on a 2/28 ARM with a 3-year pre-payment penalty . This particular loan officer had awards for good salesmanship on his desk. I was appalled by this because a 2/28 ARM is strictly reserved
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for a customer with a credit score below 540 and on the verge of bankruptcy and without a 3 year pre-pay which defeats the purpose of the loan this is described in the PDF copy of my documentation .


Woodhaven Mortgage is listed in these Categories
Mortgages Salt Lake City

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