To ensure great service to my clients, my business is completely based on referral. The solid relationship I gain with my clients often starts with a simple phone discussion. This ensures a plan for an accurate idea of what goals are in mind in preparation for a follow up with clients.
Depending on my customer's preference, this phone conversation is followed by an in person meeting, or a comprehensive email(s) from me prior to their next home purchase or refinance.We cover so much ground, they in turn are very confident in their house hunting process, or knowledge that they are benefiting themselves if they have chosen to refinance.
Depending on my customer's preference, this phone conversation is followed by an in person meeting, or a comprehensive email(s) from me prior to their next home purchase or refinance.We cover so much ground, they in turn are very confident in their house hunting process, or knowledge that they are benefiting themselves if they have chosen to refinance.
Services
Learn more about Conventional, FHA, VA & Rural Development loans (RD Loans). I can help to explain in layman terms the differences in loans, and help find the best option to fit your needs. A refinance can be done with very little costs, to no costs, to even negative costs, so that the refinance starts paying for itself on day one!
Conventional Loans: Conventional Loans require larger down payments than other loan types. Typically, you see down payments on conventional loans in 5% increments as the PMI rate drops for each additional 5% down. Advantages with a Conventional Loan is that the PMI may be cheaper than RD's version of mortgage insurance, and is almost always cheaper than the FHA loan's version of mortgage insurance.
Over the years, people have come to me to refinance for financial reasons, or personal reasons. In response, I can say with all certainty, that I have talked more people out of refinancing, then to proceed with a refinance application. A Refinance Must Make Sense! Just because some of your friends might be refinancing, or a couple people at work are refinancing, doesn't mean refinancing would necessary make sense for you.
MI Home Loan: The MI Home Loan is a mortgage program for first-time home buyers statewide and repeat home buyers in targeted areas. MI Home Loan Flex: The MI Home Loan Flex is a mortgage program available statewide. This mortgage may be a better option for some borrowers because it has more flexible eligibility requirements.
It's economy 101 - when supply is low and demand is high, prices naturally rise. That's what's happening in today's housing market. Home prices are appreciating at near-historic rates, and that's creating some challenges when it comes to home appraisals. In recent months, it's become increasingly common for an appraisal to come in below the contract price on the house.
Reviews (5)
Serenity Wise
Jul 19, 2021
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Joe Ahrendt
Dec 28, 2020
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Daniel Rabourn
Nov 11, 2020
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In every transaction I see both sides of a loan officer.
a. I see how they treat me, the Realtor, working and communicating together for our Buyers.
b. I see how they treat my clients, the Buyers, who I've entrusted them with.
I have worked with Bob Hein for over 20 years, and Naomi since she became a partner, and crucial part of the Polaris team.
Bob and Naomi are the ultimate team for customer service. They work together to ensure my clients are given the best service possible.
Beyond being honest and reliable 100% of the time, their communication from start to finish of every transaction
a. I see how they treat me, the Realtor, working and communicating together for our Buyers.
b. I see how they treat my clients, the Buyers, who I've entrusted them with.
I have worked with Bob Hein for over 20 years, and Naomi since she became a partner, and crucial part of the Polaris team.
Bob and Naomi are the ultimate team for customer service. They work together to ensure my clients are given the best service possible.
Beyond being honest and reliable 100% of the time, their communication from start to finish of every transaction
Emily Dekraker
Jul 15, 2019
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Bob helped me purchase my first home. He is dedicated to his profession and to helping you find the best loan option. Every time I found a potential house he was able to provide loan estimates immediately (Nights, Days, or Weekends) he was always available. The knowledge he provides is top notch. He walked me through every document and every option for first time home buyers. Naomi was quick at processing all my documents and was quick to notify of any changes. If I decide in the future to purchase again I will always choose Bob and Naomi!!! Thanks again for everything!
Brad Mills
May 06, 2019
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Bob Hein helped me with the purchase of my first home, he was extremely helpful and easy to work with. He was quick to respond and answered all of my questions even while he was on his personal vacation. It was great working with him and I would highly recommend his services when looking for a lender. To sum it all up, the process was quick, easy and 100% trouble free!
