By Camille Sperrazza
LEND-MOR Mortgage Bankers Corp., a retail and wholesale mortgage banking firm (5212B Avenue N, 718-252-5505) has been making people’s dreams come true since 1992. With their help, customers have purchased homes, even if they were originally turned away by other banks. The firm’s senior mortgage consultant, Cami Paladine, says people can “expect to get more at LEND-MOR.” That’s because the staff is attentive and friendly; they work as advisors, providing insight and advice to their customers. It’s this kind of personalized service that is often lacking at large banks, Cami says. For example at LEND-MOR, “We give people options,” she says. “We sit them down, and discuss their cash flow each month. We know people don‘t come home with what they make.” Because there are so many other monthly expenses besides paying your mortgage, LEND-MOR will show you what you can afford to borrow. Some customers are surprised to learn that there are different programs, with many options, Cami says. Among the various types of loans include 40-year loans, 1% loans, and no-money down loans, says Paladine. “With 100% financing, you can purchase a home with no money or very little money down,” she say. “There’s a program to meet the needs of everyone.” Sometimes first-time home buyers get cold feet, says Cami. “They are afraid to take the first steps to buying the home they desire. We hold their hands, and take them through the steps,” she says. “We guide them, acting as consultants and advisors.” LEND-MOR saves people money because they eliminate the “middleman,” passing these savings along to the consumers. As a result, they can also be more flexible in finding a loan program that meets customers’ needs. “Our loans are easier to qualify for, and our rates are competitive,” says Cami. “Clients sometimes come in in despair,” says Cami. “No one will help them. They’ve been turned down several places. We help them, and they close with us. We have that kind of lending power.” They’ve helped people with overextended credit and high-interest debts, those who have little or no credit history, those who are self-employed and those who have been turned down by other lenders. When you apply for a loan with LEND-MOR, it won’t take forever to learn if you qualify. Sometimes, people can become qualified in as little as 24 hours, Cami says. A loan can be granted in a matter of days, instead of months, she adds. Such quick turnaround can make a difference between sealing a deal or not. LEND-MOR’s goal is to set the industry standard in providing superior products and services to their customers. They can help pay off high-interest debts, consolidate your debts into one monthly payment, get cash to invest, lower the current interest rate of your existing mortgage and re-establish your credit. They can help with refinancing as well. If you already own a home, you may have equity. “You can use this money to make another investment or to pay off credit card debt,” says Cami, who cautions that credit cards rates are rising. “In today’s world,” she says, “there are so many more foreclosures. People are buying things they can’t afford.” LEND-MOR has a program that can help save your property from going into foreclosure. Cami has been helping people with their finances for years, listening to clients’ problems, and helping them find solutions. It is experience like this that has made her so knowledge in the field. She tells people, “Cami cares. We all care.” As a result, LEND-MOR helps clients make the right decisions. The experienced staff works Mondays through Fridays, from 9 a.m. to 5 p.m., with evening and weekend hours available by appointment. The staff is equipped with cell phones, “so customers can reach us anytime,” says Cami. “We get back within the hour.” LEND-MOR is committed to making each loan transaction as simple, efficient, and inexpensive as possible. The company takes pride in its work. In addition to helping New Yorkers, LEND-MOR has offices in Pennsylvania, Florida, New Jersey, Florida and Texas.
