I just finished at my closing table an hour ago, and the first thing to cross my mind was not to tell all of my friends and family, but instead to come online and write Paul Campos the glowing review that he deserves. It is the least I can do after all he has done for me.
I approached Paul after being strung along by a different lender for almost four months. I am self-employed with an otherwise strong applicant profile, and was very upfront about my situation. With less than a month to closing, the other lender blindsided me with a sudden “reversal” of what I had been led to believe was as solid of an approval as they come. When I contacted Paul, I was back at square one feeling confused, vulnerable, unsure of whether I’d even qualify for a conforming loan, and certain that my original closing date was no longer a reality.
Paul did not make any immediate glowing promises. He was very upfront about the process, time, and nuance necessary for him to determine whether he could make my loan work. But, he was also firm that once he got an answer, it would be the final answer; there would be no blindsiding. Paul returned to me with an answer much more quickly than I’d imagined such things were possible, and from there, his word was indeed good as gold. In fact, Paul not only met, but entirely beat every expectation he set with respect to underwriting decisions, paperwork he had to repeatedly issue and reissue, and his role in driving all the mysterious goings on in the ‘back room’ that is integral to getting a loan approved and funded.
One thing I noticed immediately about Paul is that he is PROMPT, thorough, and a man of his word. When I asked him a question, I knew I could count on a timely response that actually answered my question. When he said he would do something, I knew I could count on him following up with a resolution or solution. It was so refreshing to work with someone who did what they said they would do, when they said they would do it. Not once did I have to remind or petition him to move forward. He was actually the one keeping everyone on track and schedule, including my chosen disaster of a title company.
In this whole home buying process, Paul was the ONE person I knew I could rely on. Furthermore, with respect to day-to-day dealings in life and business, Paul is perhaps one of THE most responsive, effective, and work ethic-driven professionals I have ever dealt with in any industry. In today’s age where communication is cheap and instant, it has also become paradoxically more difficult to have high quality and productive interactions. People like Paul are nearly extinct.
The outcome: Paul got me to the closing table FOUR DAYS EARLIER than I’d asked for – on a loan that I started from scratch with him less than a month ago – a loan that took a different lender almost four months to figure out they could not do.
As an aside, I’d like to also mention the terms Paul offered me were some of the best I received in the extensive mortgage shopping I did. I highlight this point last because it is now apparent to me that, after a certain point, it is no longer worth stressing over a few hundred dollars in difference from one ‘top offer’ lender to the next. I learned that the experience and integrity of your loan officer mean EVERYTHING when it comes to getting your loan both actually APPROVED and CLOSED. Without Paul’s commitment to getting my loan closed, with his almost superhuman level of followup, the comedy of errors created between my local title company and appraiser could have easily dragged my closing out to the next month. He nipped every hiccup that came his way in the bud! That his loan terms were so good was just the very, very sweet icing on the cake.
Finally, I would classify myself as a pretty needy client. Because of how badly the previous lender burned me, I needed constant reassurance at every step, probably annoyingly so. Paul reassured me patiently in a very concise, tell it like it is, manner, even interjecting some humor. The sale price of my home was below the median for the USA, and yet Paul’s level of service made me feel like I was his most important client of the year.
Thanks Paul for sticking with me and for making my home purchase possible. I am still sitting here in disbelief at what you so professionally accomplished in this short a time frame. I feel extremely lucky to have been your client, and would encourage all to choose Paul Campos of Instant Capital for a loan officer who will go above and beyond to make your home purchase go as smoothly as possible.