Does Your Mortgage Partner Have These 5 Traits?

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Find a lender who works well with you and your clients.

While your buyer has specific dream-home criteria, you have the same for the mortgage provider you recommend. You likely already have some of these questions on your mental checklist:

  • Will they meet the closing date?
  • Will they follow the details in the agreement?
  • Will I be able to reach them after hours?

Instead of what-ifs, look for these five traits in the mortgage provider you recommend to clients:

1. They're dependable

"Real estate is not a 9-to-5, Monday through Friday job," says Susan Reber, a Realtor® in Chesapeake, Virginia.

Buyers have their own work schedules—which means you're always available on the weekends and evenings to accommodate their needs. So, your mortgage provider should be willing to do the same.

The dependability you and the buyer need also requires good communication, whether it's responding promptly to an email or being easily reached phone.

"Communication is so important and integral in the success of making a competitive offer," adds North Carolina-based Realtor Drew Ludlow.

Why BB&T Home Mortgage: We’re here for you—online and offline. With us, your clients can go from application to ready-to-close in less than 30 days for some programs. We won’t leave you or your buyer waiting.

2. They're informative

The world of mortgages can be a hard one for buyers to navigate. And while you're there to help alleviate your client’s concerns and answer his or her questions along the way, it's just as important for your mortgage provider to help educate your client, too.

"Realtors are not allowed to answer a lot of loan questions," adds Chuck Vosburgh, a Realtor in Saint Petersburg, Florida. "It's up to the lender to help the buyer feel at ease regarding loan questions and concerns."

So, when your client is searching for the perfect mortgage provider, recommend one who's able to provide the information your client needs to feel confident about his or her homebuying decision.

Why BB&T Home Mortgage: Our mortgage professionals will guide you through every step along the way, leaving no question unanswered.

3. They're diligent

Whether your client is purchasing a home for the first time or tapping into their home's equity, a good mortgage provider should be committed to hitting your client's goals on time.

One way to tell if your mortgage provider is diligent is if he's known for meeting important milestones and deadlines. If that’s the case, you and your client can feel confident you'll hit the closing date, and the details within the agreement will be followed closely.

"I need every tool possible when working with buyers—a diligent lender is an important part of that toolbox,” Ludlow says. "Their understanding and communication of the buyer's financial wherewithal can make or break a deal."

Why BB&T Home Mortgage: From application to closing, our mortgage professionals will ensure that your buyer's next big step isn't delayed.

4. They're clear

From closing costs to the difference between the inspection and the appraisal, things can get confusing for your clients at multiple stages of the process. That's why it's vital you have a mortgage provider who is direct and able to help the buyer make sense of the fine print.

For example, Ludlow says many buyers frequently have to ask what their closing costs will be, but a good mortgage provider will be up front about those costs, so they're not a last-minute surprise.

Why BB&T Home Mortgage: Prequalifying for a home mortgage is easy on BBT.com, and our online application process makes everything clear, so your clients will know exactly what to expect.

5. They're caring

Applying for a mortgage is a big step, and big steps require care from all parties—including your mortgage provider. Tara Gaines, a Realtor in Atlanta, says she loves to work with a lender who has her clients' best interests at heart, such as by finding the best mortgage to fit their needs.

"A great mortgage lender cares about my clients as much as I do and will strive to make the home purchase as easy as possible," she adds.

Why BB&T Home Mortgage: We understand there's not a one-size-fits-all loan process, which is why our mortgage professionals personalize the homebuying experience to meet the needs of every buyer.

The mortgage provider you recommend to your clients should not only make their lives easier, but yours, too. If your current lending partner doesn’t have all the above traits, you may want to consider searching for a better one.

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    The 30-day quick-to-close program is not a closing guarantee. Individual circumstances may vary. Please contact your local BB&T Home Mortgage professional for more information about the program and documentation requirements.

Loans, lines of credit and credit cards are subject to credit approval.

All BB&T mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.