gmhTODAY 01 gmhToday Mar Apr 2015 - Page 36

Turn to Local Professionals our local vendors to shop local, A home loan, be cautious on how you shop and to spend where we live, and to who you use. I had a client recently who decid- support small business. Well, if you hadn’t ed to use an out of area Realtor affiliated with heard it before, there you go. a low commission marketing campaign. He ll of us have heard the cry from In the Real Estate world of buying and By Jayson Stebbins Mortgage Professional 36 wanted to save money on the sale of his home. selling and financing, shopping local is a The problem was that the Realtor didn’t know good rule of thumb as well. I know that the the market, was not able to hold open houses, Internet has its place in all things, but there and didn’t sell the home quickly. He switched is something comforting about working with to a local Realtor who knew the market, and someone who knows the town you want to the house sold quickly. buy in, who understands the micro-econ- On the loan side, choose a local Mortgage omies of the South Bay Area, and who has Professional who can work with you closely, lived and worked in the market place. meet with you face to face, and commit to on- The argument about using a larger firm, Jayson Stebbins is a 21-year veteran of the Mortgage Banking industry and an Accredited Mortgage Professional through the Mortgage Bankers Association. He grew up in Morgan Hill and currently lives in Gilroy. He is the local Branch Manager of Guild Mortgage, a 53-year-old Mortgage Banking firm. His office is in Morgan Hill and serves all of Santa Clara, San Benito, and Monterey coun- ties. You can reach Jayson and his Team at 408-782-8800 or at www.stebbinsmortgageteam. com . When you are buying or selling or getting a time closing dates. Don’t ignore rates and fees; or an Internet based firm certainly can be we have to make sure we get a competitive loan made; usually using the price counterpoint. for our family. But is a quarter point higher in Lower rates or cut commissions can be rate or a couple hundred dollars more in fees attractive, and can appeal to all of us who are worth an on-time closing? When things go savvy consumers. But cutting fees, cutting wrong, it certainly seems a low price to pay. commissions, or marketing to the low rate Buying a home and getting a loan are prob- point is not all there is to buying a home or ably the biggest financial decision you will closing a loan. Usually low cost vendors are make. There is value in finding a local Realtor able to be low cost by cutting expenses, and or Mortgage Professional to help you through as consumers we can suffer with poor service, the process. Chances are you will find yourself slow delivery times, or even missing our with a partner in Real Estate and Finance that closing dates. will serve you well for years and years to come. G M H T O D A Y M A G A Z I N E MARCH / APRIL 2015