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USA Mortgage

Mortgage Lender Brings Clients, Investors to the Table

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Buying a home is a big decision. With changing interest rates, changing mortgage rates, and buyers’ versus sellers’ markets, it can be confusing and frustrating. 

“We are in a very complex lending environment so clients lean on expertise from their lender more than ever. A potential home buyer or current homeowner looking at refinance options needs a lender with the ability/resources to identify each client's needs and find a program that fits those needs,” says Steve Kitrel, Regional Manager with USA Mortgage. “There are so many programs in today's market, a client really needs a lender with experience and a pulse on today's evolving lending world.” 

Communication and Depth of Lenders

As with any transaction, communication is key to the experience. There are generally multiple parties involved in a lending transaction. Realtors, title agencies, and appraisers all help create the dynamic of the client-lender relationship. This dynamic requires transparency and efficient communication to ensure a successful lending experience. 

Kitrel is also quick to point out the depth of investors that are at the ready for USA Mortgage clients. “We have over 30 investors that we work with,” says Kitrel. “Every client doesn’t fit into the same mold when it comes to mortgage loans. Having so many investors gives us more opportunity to find the best fit for that client.” 


People use technology to enhance or streamline just about every experience. “The mortgage world is no different and clients today are looking for a lender who has embraced technology,” says Kitrel. While a client may not utilize the apps or other platforms a lender has available, somewhere in the process, from application to funding, technology is improving the process internally. 

Misconception About Lenders

A common misconception about mortgage lenders is that the lender's job ends at the closing table. For many people, a home is one of their biggest investments. “We have all learned how quickly markets can shift,” says Kitrel. “Clients are always looking to be protected and ready to take advantage of opportunities to improve.”

Kitrel says it is important to find a lender who is constantly aware of changing market dynamics and how that affects each of their clients. “Clients should be receiving quarterly updates at the least. As with the markets, clients' needs and circumstances can change quickly and need to be able to lean on their lender to make sure their changing needs are being met.” 


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