|Mortgage and Lending||
|location_on Cottonwood Heights, UT — Security National Mortgage|
|web Cynthia Rutherford's (crutherford) Blog|
I have been a mortgage loan officer for more than 25 years. My expertise and knowledge of mortgage lending products and mortgage lending guidelines and programs is hard to match. I pride myself on a true performance level of customer service. I started out in the real estate industry more than 30 years ago as an escrow officer in California. I moved here to Utah 19 years ago and now I am proud to call it my home. Becoming your "loan officer for life" is my ultimate goal. I can show you how comfortable and stress free your mortgage loan process can be. When you have a loan officer, on your homebuying team, who is knowledgeable and experienced and friendly, the homebuying process can be stress free. Integrity is of the utmost importance to me when conducting business on a daily basis. With all that has transpired within the mortgage industry over the past few years, it is so important for you to able to rely on the honesty and integrity of your loan officer. Now more than ever you need a conscientious and professional loan officer. My clients receive a level of customer service that is unparalelled in the mortgage industry. I am available to my clients when other loan officers are not. Working weekends and after hours is a part of my customary work ethic. Most of my homebuying clients are working hard during the day time so I find that flexibility in my work schedule helps to accomodate the entire loan process. Please contact me with all of your questions, concerns and comments about the mortgage loan process. I am here to help and I am enthusiastic about helping my clients reach their dream of home ownership.
First time homebuyers need the guidance and knowledge of a very experienced loan officer. I feel it is important to educate all of my first time homebuyers as we proceed together through the mortgage loan process. Having a 25+ year history in real estate and mortgage lending, I doubt there is a question that I can't answer. First time homebuyers need to feel their loan officer is looking out for them every step of the way. The more I can do to put my first time homebuyers at ease the better.
1-4 Unit Investment Property Buyers. For many years I have specialized in mortgage loans for income generating property. Whether you choose to live in one of the units or rent out all of the units, it is important that you have a loan officer that understands cash flow analysis, vacancy rate guidelines and all special loan requirements that investment property buyers need to be aware of. Recently, guidelines for investment property purchases have changed and become more stringent, than ever before. Before you offer to purchase an investment property you need to meet with a loan officer that can give you all the information you need to feel confident about your offer and your pre-qualification for financing on investment property.
New Real Estate Agents. If you are a newly licensed agent. You need me. I am an exception to the rule you will find out there when you are interviewing loan officers. Yes! I am happy and willing to offer you all of my knowledge and expertise. You will be a highly successful real estate if you have a dedicated and knowledgeable loan officer on your team. That's me. I will be able to answer all of your mortgage lending questions. Your buying and selling clients will never know that you are new to the game, with me on your team.