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Carver Communications - Index

Carver Communications - 12.15.08 - Index

United Lending
“We take every opportunity that
comes our way,” opens co-founder Jeff
Hamilton of United Lending. “These are
tough economic times, but there are still
qualified buyers in the market to purchase
homes. No matter the circumstances
of the buyer, we will work as hard
as necessary to match the best loan program
to the buyer and conclude with a
successful closing.” Hamilton and his
partners, Tommy Nelms and David
McMillian opened United Lending in
early 2008. The company has offices in
San Antonio, Austin, New Braunfels and
Houston. “Our company may be young,
but we bring over 50 years of combined
experience in the real estate market to our
customers. We are the only profit-sharing
mortgage banker in Texas. We have
created a very family oriented atmosphere
and have recruited the best of the
best to work with us.”
United Lending is most proud of
its dedication to our veterans and assisting
those buyers with the Texas Vet
Program. “We were the #1 lender in the
state of Texas for 2008. A large part of
our production is VA or Tex Vet loans.
We have always been very supportive of
our veterans and will continue to do so,
especially with the outstanding work of
our loan officers. Pat Fitzgerald is just
one example our motivated staff who is
truly dedicated to making loans happen
and has worked very hard at being named
the Number 1 loan originator of Texas Vet
Loans. I could not be more proud to be
in business with such a stellar group of
professionals,” shares Hamilton.
San Antonio and Austin share in
the company's corporate functions. Each
office has an on-site underwriter, but all
of our closings come through San
Antonio. United Lending provides all the
traditional lending options such as conventional
loans, FHA and VA loans,
Texas Vet, Adjustable Rate Mortgages,
new construction, refinancing, Home
Equity loans and reverse mortgages.
“January 1, 2009 will bring changes to
the reverse mortgage process and we are
in an excellent position to train agents in
the new regulations. The reverse mortgage
offers solutions for those worried
about their reduced incomes because of
the current stock market losses. It can
December 15, 2008 REAL ESTATE NEWSLINE 23
free up a lot of
monthly income
but it is not a
loan that works
for everyone.
Home builders
will get a lot of
welcomed help
by the new laws
that take effect in
January of
2009.”
United
Lending offers
training for real
estate offices to
update agents on
new mortgage
requirements. “I
approach my
business each day with the thought, who
can I educate today or who can I impact
positively today? What are my opportunities?
How can we build our business?’
and we just diligently work to accomplish
my daily goals. This is a tough market
and everyone has to work three or four
times harder than they did in years past.
Agents need to understand, the monies
are still available for loans, we just have
fewer products to offer the buyer. We can
still place 100% financing, low down
payments and other options for loans—
we just have more regulations to qualify
the buyers for the money,” notes
Hamilton.
Hamilton predicts business in
2009 will remain steady. “Changes will
come, but those who have always worked
David McMillan, Jeff Hamilton and Tommy Nelms
hard, will simply work harder to make
business happen. Interest rates will most
likely stay around five to six percent and
there may be a few dips in the market to
stimulate business. We are all in the same
positions as far as adjusting to changing
regulations and tax laws. We all have to
be accountable to our customers to make
sure they are qualified for their purchase
and work to make the deals close.”
“Our market share continues to
increase on a monthly basis, but that is
not without the exceptional effort of
everyone on our staff. We are more than
happy to share our philosophy for success
with others in our industry. Just call us at
210.408.6060 to schedule a training,”
concludes Hamilton.