Testimonial from Charlotte Palmer of Stevens Fine Homes

I write to you today to recommend Alpha Mortgage and specifically Tara Stewart and her team, for Lender of
the Year. I know of no more deserving mortgage team in the four county area that Stevens Fine Homes serves
than this one.
I first came to know Tara when she began servicing the Stevens account with Bank of America. At the time, I
was an on-site sales person and her dedication to my buyers and her persistence through rough spots really
impressed me. It impressed our management team so much that when she made the move to Alpha Mortgage,
we followed and made Tara’s team at Alpha an additional preferred lender. Shortly after, I transitioned from
sales agent to Sales and Closings Coordinator and began working with Tara on a daily basis.
I couldn’t ask for a better partner for our sales agents and myself than Tara and her Alpha team. Stevens Fine
Homes buyers range from young, first home buyers to move up families to retirees and Tara handles each with
the same high degree of respect, enthusiasm and attention to detail. She has guided hopeful buyers through
months of tedious credit repair to finally reach their ultimate goal – a brand new home. Many of these folks
thought that homeownership was out of their reach – they didn’t have a clue how to get there – but Tara showed
them that with patience and hard work, they could make their dream a reality.
Tara has worked in partnership with our agents to procure and retain prospects by co-sponsoring neighborhood
events, developing professional marketing pieces and reaching out to area general brokerage agents to
recommend Stevens Fine Homes for their clients. Her extensive knowledge and understanding of new
construction and our organization in particular, makes her an invaluable resource for our team. She is an expert
on the varied mortgage products available and is able to determine the best loan for each buyer based on their
particular needs. Our agents trust her instincts without hesitation and are able to convey that trust to their buyers.
She is a great communicator and is always available to answer a call from an agent or buyer or meet at a
moment’s notice. I’m not sure how she pulls it off, but she manages to do all of that and attend 99% of our
buyers’ closings. Not an easy feat while managing almost half of our 220 closings last year.
In closing, I would like to say that, on a personal level, I have never known a more kind, sincere and caring
individual than Tara. That compassionate spirit is genuine and carries over to her professional relationships –
her clients know that she is truly concerned about them and their families. I guess it’s why she got into the crazy
world of mortgage in the first place – to help people! Please give Tara Stewart and her Alpha team your vote for
Lender of the Year. I have worked with many lenders in this area over the past 7 years and while most are
capable and knowledgeable, there isn’t one who outshines Tara. I thank you for your time and consideration.

What Makes a Good Loan Officer?

Wilmington, NC Loans

With 2015 upon us and the economy looking up, many people are looking towards purchasing a new home this year. It is no secret that one of the most important steps in property purchase involves communication and collaboration with loan officers. Loan officers, or Mortgage Originators, evaluate, authorize, or recommend approval of loan applications for people and businesses. According to the Bureau of Labor Statistics, they are normally responsible for contacting companies inquiring about loan needs, meeting with loan applicants to gather personal information, obtaining and verifying financial information, explaining loan terms and types, analyzing and evaluating applicant’s finances, and eventually approving or denying loan applications. So what should you look for in a loan officer to make your home-buying experience as seamless and stress-free as possible?

A good loan officer holds many great qualities including time-management skills, problem-solving skills, and responsiveness, but 5 traits that an outstanding Loan Officer must have are listed below:
• They are transparent with customers- a great loan officer is always in line with all national loan regulations, but arguably even more importantly, they are open and forthcoming with customers and realtors about important information that can make or break a loan in a timely matter. They never over-promise or under-deliver.
• They are passionate about what they do- one thing that sets apart excellent loan officers from average is their love for what they do. It is apparent when a loan officer hates what they are doing, but through positive energy and attentiveness to customer needs, passion from a loan officer shines.
• They measure all of their data and information- great loan officers understand that nothing can be improved if it is not first measured. Best performers know exact numbers of leads, credit report pulls, contracts, and closings they have had in specific time periods because they understand how imperative numbers are both to potential borrowers and to their own success.
• They are accountable– They work for companies that hold employees to high work standards and ethical standards because they want to push themselves to their highest potential as a loan officer. They appreciate accountability because it shows borrowers and real estate agents that they can be relied on for closings.
• They are connected– The best loan officers not only know basic real estate principles, but they have rich professional connections with local real estate agents. Great loan officers have a deep base of knowledge they use to inform real estate agents about the closing process for clients, and maintain a positive communication process between the parties.
Looking for a Loan Officer on the North Carolina Coast? Alpha Mortgage has their own in-house team of specially trained Loan Officers that meet all of these qualifications! Check them out and contact one today to get the ball rolling on the purchase of your dream home!

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