When you’re buying or selling a home, there are three major service providers involved in the process:
Settlement Services
The settlement agent ensures all paperwork is in order, documents are filed correctly, funds are disbursed to the right parties, and ownership transfers to you free and clear. The settlement agency must develop a good working relationship with your real estate broker and your mortgage loan officer to facilitate the inter-agency cooperation necessary for a smooth and orderly transaction.
Real Estate Services
Your real estate broker guides you through buying or selling the property, negotiating the deal, and managing the transaction from offer to close. The real estate broker must coordinate with your mortgage company and the settlement company. The real estate broker must develop a good working relationship with your mortgage loan officer and the settlement company to facilitate the inter-agency cooperation necessary for a smooth and orderly transaction.
Mortgage Services
A mortgage is a loan primarily used to purchase real estate. A mortgage loan officer manages your mortgage application and guides you through the mortgage process, including the application and qualification steps. The mortgage loan officer must develop a good working relationship with your real estate broker and the settlement company to facilitate the inter-agency cooperation necessary for a smooth and orderly transaction.
Typically, the three service providers operate entirely separately, each with their own agenda, their own purpose, their own schedule.
The settlement agent focuses on paperwork and deadlines, with no responsibility to look out for you.
The real estate broker is there to earn a commission by closing the deal as quickly as possible instead of caring if the property is the right property for you.
The mortgage loan officer works on a commission-basis and cares about selling a mortgage instead of caring if it’s the right mortgage for you.
You find yourself at the center of it all, trying to manage an unfamiliar process. You’re learning as you go, all while juggling schedules, chasing answers, and coordinating among service providers who operate on their own timelines. One provider needs paperwork that another has yet to complete. Your questions pile up, adding to the stress, and you’re left wondering: who’s actually looking out for me? With each provider focused on their own agenda, you’re forced to stay on guard—never quite sure if the advice you’re receiving is in your best interest or theirs.
Imagine a simpler, more coordinated approach:
One Point of Contact: Instead of dealing with three different companies, you work with one dedicated professional who handles everything.
One Agenda: Every decision is aligned with your best interest—no competing priorities.
Seamless Communication: All services flow together, ensuring smooth progress without the usual bottlenecks.
Rethinking Real Estate and Mortgage Services
The Typical Mortgage Company: Mortgage companies rely on commission-based loan officers. Their primary focus is selling mortgages—not finding the right one for you.
The Typical Real Estate Brokerage: Real estate brokers are also commission-driven, often prioritizing closing the deal over helping you find the perfect property for you.
What If There Was Another Way?
A Mortgage Company That Puts You First: Imagine a mortgage company staffed by salaried professionals free to focus on your needs and what’s best for you.
A Real Estate Brokerage Focused on Your Needs: Picture a real estate brokerage staffed by salaried professionals, free to focus on your needs and what’s best for you.
What if the pressure and misaligned incentives were eliminated? What if the process was smooth, stress-free, and centered on your goals?
Real Estate Goodness
This is Real Estate Goodness. One professional point of contact. One focus: you.
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