Fed Up With Your Bank…Call Centre Consultants... Incompetency… Poor Service… Being Treated Like An Account or Number!
Are you tired of struggling and begging your bank for a home loan? Frustrated that most banks charge high fees to get a home loan? Then you’ve come to the right place if you’re serious about getting your home loan approved and save money!
My name is Zulika van Heerden and I’m the owner of GPF Mortgage. As a 9+ year veteran in the mortgage and real estate business I have seen buyers and homeowners just like YOU approaching their bank for a loan only to be hugely disappointed when their application gets declined.
The really sad part is that most of these applications could have been ‘saved’ if it wasn’t due to:
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incompetence of the loan consultant at the bank |
2.
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consultants not knowing how to structure a home loan application properly |
3.
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poor negotiating skills and lack of communication between the consultants and the banks' credit department. |
| 4. |
consultants not appealing declines |
5.
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consultants not putting forth compelling reasons to grant a full home loan |
| 6. |
lack of accountability for poor performance |
To be a bit more blunt...
“It’s less painful to rather
have root canal with infected dental equipment every day for the rest of your life than to have to deal with Call Centre ‘consultants’”
It’s like getting a home loan from HELL. These people are only trained to deal with one aspect of the home loan process. Just try to get a simple answer like whether your home loan has been approved or not and they will transfer you from one faceless person to another.
“In fact, just trying to get hold of the same person twice is a total nightmare. Then you have to explain the whole story all over again. One department doesn’t know what the other is doing.”
Then to top it all...after all this fighting and struggling they mess up your home loan application.
Bottom line: most of these consultants are unskilled and highly incompetent. They are clueless about customer service and they don’t really care if your home loan gets approved or not.
Is this the kind of people you want to trust your home loan application with? Are you prepared to risk losing your dream house because of a consultant not doing his or her work?
Listen, I’m not saying everyone is bad…there are a few capable home loan consultants, but unfortunately they are in the minority…
Click Here to Experience Hassle-Free Financing
In Addition, Most People Don’t Know How To Shop For A Home Loan
Every year thousands of people mess up the home financing process. They call a few lenders and ask them what their best rates are. That's it!
But that's not what you should do because of two reasons. In the first place, the quote you'll get over the phone is worthless and, second, you reveal that you do not know what you are doing.
Lenders can quote low, get your application, and then when you are committed to them they sell you the loan at a higher rate. This is a sneaky tactic many lenders and brokers use, but there's no way you can prove it.
Many offer promotions like an introductory rate of 3% below prime for example. Your rate of 3% is a teaser rate. After six or twelve months your interest rate will be pushed up again.
Another strategy banks use to get extra bonus money out of you is to try and convince you to switch your cheque and savings account to them - in addition to taking out a mortgage.
Research has shown them that if you have at least three types of accounts at the same bank, chances are you will remain a customer for life.
People Worry More About The Home Itself Rather Than Financing
Especially first time home buyers are guilty of this...they are so excited about buying their dream home, that they fail to give much thought to the home loan itself.
If you buy an overpriced home, you'll lose some money in the process and would learn a valuable lesson. But, if you pay too much for your home loan, you'll pay for your mistake for the next 20-30 years. It’s your loan that's going to cost you money month after month and not your house!
Another mistake people make when applying for a home loan is going to their bank and taking the rate the bank gives them. Even though the bank often gives a discount off the posted rate, most of the time it is not the best rate available.
People think that because they are getting a discount that it's the best rate going. In most cases, the rates given by the banks are not the best on the market. That’s why more sophisticated consumers hire a specialized mortgage broker who has access to many different lenders with the best rates available.
For instance, which scenario do you think will give you the best deal?
OPTION 1- with one lender who says they are offering you the best product, or
OPTION 2- have a number of lenders to choose from who are all competing against each other to get your business? The answer is obvious. Having multiple lenders to choose from will not only guarantee you the most competitive rate, it will also allow you to find the best product for your needs, which will give you the peace of mind in knowing you are getting what you want!
If You Don't Want To Overpay On Your Mortgage - Click Here
Isn’t It Time To Get A Specialist On Your Side?
It's always important to remember that home loans still come packaged full of fees. Lenders, after all, are in the business of making money. I'll show you what common pitfalls to avoid and make sure no one's taking you for a ride.
As you can see, you can lose a lot of money if you don't know what you are doing and you could end up spending the better part of your life paying interest to your bank. Of course, your banker or present mortgage holder is not breaking his neck telling you about any of this – chances are you are over paying, and he knows it.
Nowadays banks have to do a lot of things: handle cheque accounts, savings accounts, business accounts, now they’re selling insurance and investments and on and on. They’re like a “general store.” But I'm a “specialist”. I do one thing and one thing only: home loans.
Once you realize that the managing of your home loan to build financial security has more to do with the quality of your life than any other one thing (besides your health), doesn’t it make sense to get a top specialist on your side?
By the way, I'm only paid for success. My costs are paid by the bank and it does not affect my clients loans in any way, so there's no out-of-pocket expense from my clients side. Since I do not have to pay any 3rd party commissions I can afford to lower my clients’ legal costs with up to 50%.
Apply for a No-Obligation Quote - Click Here
But don't take my word for it...Here Are a Few Examples of How Much My Services Have Been Worth In Hard Rands and Cents
"My bank turned
down my application but
approved it when I used your services. I was kept up to date and got
the necessary information which allowed me to make an informed
decision.
I am particularly happy about the fixed rate you negotiated
for me. This country needs more people like you..."
Mrs. Mhlanga,
Waterkloof, Pretoria.
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"Hi Zulika,
thanks for the great e-mails I received from you, it really
opened my eyes. I will think twice before doing anything hastily
again. You have saved me thousands of Rands already"
Mr. L.
Lemmers, Cape Town
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"We saved R8,300 pm on debt payments. I would really like to thank you
for all your assistance in acquiring a 2nd & 3rd bond for us."
Mr. B. Botha,
Bellville, Cape Town.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"Since, I could not get the assistance from my own bank without their
superior attitude, I decided
to approach GPF Mortgage. They were the most helpful consultants I came
across and they kept
me up to date and in the loop at all the times without ever making me
feel inferior because of my
financial situation.
I had all my questions explained to my
satisfaction during the loan processing
period and the terms of the loan were exactly what I expected. I am
happy with the level quality of
service I received and would definitely recommend you to my friends"
Ms. R. Odendaal,
Alberton
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You Have Nothing to Lose...Click Here For A
No-Obligation Quote Now
Even with all
these positive
comments, I know you may still be skeptical ( I probably would be too.)
That's why I want to make it so easy for you to put our service to the
test - risk-free.
First, I want to make you two promises...
Promise
#1: You will be treated well. My company is managed by people
with years of experience in the mortgage industry, and we are dedicated
to
treating you like a fellow human being (not an "account" or a number),
with dignity, courtesy, understanding and professionalism.
Promise
#2: I have made this process as simple and streamlined as
possible. In most cases, we're going to ask you for just four
documents. Ask you less than 10 questions, be able to do everything by
phone, fax or email.
Loan Approval Guarantee
(Reaching out and touching someone was never so valuable)
The sad truth in the home loan industry is that, all too often, homebuyers are left feeling ignored by their mortgage brokers. The broker promises the world, then when the time comes to deliver, they're nowhere to be found.
Not only will I verbally promise to communicate with you during the course of your loan application, I will ALSO guarantee your loan approval, so that I have something to lose if I do not live up to my promise.
In other words, if your loan is not approved I will pay you R250 out of my own pocket for failing to do so (conditions apply)
I am able to "put my money where my mouth is" because I am extremely confident in my ability to meet and exceed all of your expectations as they relate to communication and getting your loan approved.
So, What to Do Next?
You can pick up the phone and call me at 086 110 6204 during normal business hours or send me an email at info@gpfmortgage.co.za .
I will be happy to talk with you, answer any questions you have; and if you’re ready, collect the information I need from you to suggest the best possible mortgage plan for you.
If you want to apply for a no obligation quote Click Here
“Or, of course, you can do nothing and continue pulling your hair out of head in frustration trying to get your home loan approved”
After all, why would you want to work with people who don’t value your business or don’t feel anything for you. I’m told that the definition of “insanity” is doing the same things over and over but hoping for different results!
The answer is not to work harder and to run faster. The answer is to be smarter about your money. Taking action today, can not only bring you benefits almost instantly, but can have enormous impact on what your life is like 10 to 20 years down the road.
Get Your Risk-FREE No-Obligation Home Loan Quote Now!
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To your success,
Zulika van Heerden
P.S Only you have the power to stop the pain…the heartache…and the disappointment of not getting your home loan approved when you need it the most.
P.P.S. Our one-of-a-kind guarantee reflects our confidence in our ability to get you a home loan without the overall stress that goes with it.. So, if we cannot get you a home loan, nobody will
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