Kris Wilson - Minnesota Mortgage Loan Officer

Kris Wilson's Art of Vision is her:

ability to see where... and the know-how to get there.
commitment to see things through... no matter how tough the going gets.
expertise to see the big picture... and the all-important details.
years of experience in mortgage banking... helping you get the home of your dreams without hassle.

Why Should You Use Kris Wilson as your a Loan Officer

In the "good old days" of mortgage banking the technical skill and ability of a loan officer was a given. But, in reality, no one had much of either. The business was relatively uncomplicated and doing a loan involved little more than being good at convincing a real estate agent to refer a client to you.

Today, the business is radically different. There are good loan officers and there are bad loan officers. They work for big companies and they work for small companies. Getting the right loan officer to help you make the largest financial decision of your life can be a daunting process.

There are good loan officers

Good loans officers are educated, both about the products that are available to them and about ones they may not even handle. They take the time to understand the features and benefits of a loan product, and how that product will relate to your needs.

Good loan officers care about you as a person, not just as a commission. If a good loan officer cannot help you, she will refer you to someone who can.

Good loan officers take the time to explain complicated financial information in clear and direct language. If you don't understand, they make it a point to go over the information again.

Good loan officers follow your file through until closing. They don't just dump your file on a processor's desk and forget about you. They follow up and follow through.

Good loan officers enroll in industry trade groups, which allow them to continue their education and achieve their industry's highest professional designations.

Good loan officers never have a closing fail on the day of closing due to an error on their part. They simply do not disappoint their clients in this way.

And then there are the bad ones

Bad loan officers don't know their own product line . This can be due to simple incompetence, or to a deliberate intent to deceive. It really doesn't matter which is the case because, to you, the result is the same—you don't get the best loan for your needs.

Bad loan officers care more about their commission than about the law or simple integrity. This leads some loan officers to recommend products that are unduly risky (helping you into trouble), or that have features that may cause you grief later on (unnecessary pre-payment penalties).

Bad loan officers can't explain things to you in clear, uncomplicated language. They may attempt to befuddle you with unfamiliar concepts and terms.

Bad loan officers have loans that fall apart on, or shortly before the day of closing. Ask any title company or real estate agent what effect this has on a client's life.

The real costs of working with a bad loan officer

Really bad loan officers can cost you thousands upon thousands of dollars in unnecessary fees, high interest rates or unnecessary pre-payment penalties.

So now, I finally have an answer to the question,
"Why should I use you as a loan officer?"

My answer is:

Because I am a good loan officer, and proud of it." And, what's more, I can prove it—just ask any of my over 3000 former clients. All of whom closed on time.

Sincerely,
Kris Wilson

The Art of Vision