Aug 22, 2022
Tim S Macias
Scrum Master/Agile Coach
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★
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Note, I wrote this up in MS Word. The formatting didn't copy to the review so well. :-)
Purpose of This Review
• Rob Bearce is Far and Away the BEST Home Mortgage Subject Matter Expert I’ve Ever Worked With
Hi all. I recently began a search for a new home. Robert Bearce (Rob) was recommended to me by a close friend in the real-estate field.
I've bought 3 properties in the past, and all didn't go smoothly. I felt like the finance people, who were handling my mortgage loan, were pressuring me to spend more money on a house than I was comfortable with. Yes, I was pre-qualified for a lot more but didn't wanna be house broke.
I went with Robert Bearce, Branch Manager Open Mortgage LLC, as my financial subject matter expert. This was far and away the smoothest home buying process I've ever experienced!!! ??
I could write a novel about how well the home buying experience went with Rob. I’d like to convey some of the professional/awesome experiences Rob was able to provide in list format so as to keep it concise:
• During introductions Rob did a brief, high-level summary of how mortgage loans worked, some different types of loans, and what to expect.
• From there Rob started asking what my personal goals were as far as home buying goes. Not only what fit my budget, but he was very interested in what I wanted and asked several questions to make sure he had a good picture of my goals for home buying.
• I’m by no means a financial, or real-estate expert. Rob did a fabulous job of explaining things on my level-in laymen’s terms. No matter how uninformed my questions were, Rob took his time to explain things in a way that I could understand. At no time did I feel like a nuisance, or ‘dumb’ ??
• Rob didn’t come back with a plan, he did some diligent research and presented options for me to choose from. He was very candid and genuine about sharing the pros and cons of each loan. After a couple discussions with Rob, for the first time in my life I began feeling like I had a good understanding of each loan option and how they worked.
• As I was searching for a new home, Rob was getting the ball rollin’ on the financial side of things. The technology he used was flawless. Gone are the days where home buyers have set up an appointment, drive to someone’s office, and physically sign paperwork.
o Rob was able to send all paperwork electronically to my home email address.
He’d then call me for a face-to-face conversation, and walk thru the
documents with me. He stayed with it until we both agreed I had a solid
understanding of what I was signing.
o All signatures were done electronically from my home, on my schedule, and
legally accepted.
o This was by far the smoothest way to handle documents I’ve ever
experienced.
• Once I found my dream home the mortgage loan experience got even better. Rob went back over all the options, genuinely conveying the pros and cons of each, and estimating in real dollar examples how it would affect me financially.
• The end results of all Rob’s work were
o The experience was seamless from my perspective.
o I felt in the ‘know’ and empowered to make the loan decision that was best
fit for my goals.
o I was very much informed, and knew almost immediately which loan was the
right one for me.
Some other things to note about Rob’s work ethic (and hopefully all Open Mortgage Employees):
• Almost every time I called, Rob picked up the phone, took all the time necessary to ensure my questions were answered. On the rare occasion he was unable to pick up he returned my call. Usually w/in the hour.
• Rob was super diligent with his research. Not only with the types of loans that best fit my goals, but also monitored market interest rates daily. He was able to lock in an interest rate during a brief time when they dropped. They soon went right back up, and I hear they’re supposed to keep going up, but not before I got the best interest rate available at the time. It ended up saving me thousands in the long run.
• A couple weeks later I received a packet in the mail from Open Mortgage. The packet informed me that Open Mortgage was providing a complimentary housewarming event for friends and family.
Summary
• In closing I’d like to mention this was by far the best home buying experience I’ve ever experienced.
• At the end of the day, when everything was finalized and the property was mine, I couldn’t believe how EASY it was!
• I would definitely recommend Rob and Open Mortgage to friends and family.
Sincere thanks and gratitude to Rob, and thanks to all who took the time to read this review.
Tim