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The majority of their clients are referrals Links of London Sweetie Black Rhodium & 18ct Rolled Gold Bracelet previous clients and real estate agents. Formiller said teaming up with Eagle Home Mortgage was a good opportunity to join a well-established and reputable lender. It has been in the Puget Sound area and has worked with the same underwriters for a long time, and it handles all FHA and BA programs, along with manufactured housing, Formiller said. Eagle Home Mortgage offers full-service mortgage banking with the ability to underwrite, fund and close its own loans in-house. It can close a "rush" purchase transaction in about seven days, Formiller said. "Our typical transactions, whether purchase or refinance, are completed within days," he said. "Some Links of London the larger banks are quoting to days to close Links of London Sweetie Bracelet loan." Being a smaller, local company gives Eagle Home Mortgage the ability to add a personal touch to the process, Formiller said. Underwriting guidelines are more stringent, but he said the staff has the experience to take applications and complete the process smoothly because they don't rely on outside sources. "We're more efficient than larger lenders, because we focus on purchase and refinance," Formiller said. "We work with real estate agents and potential home buyers. Our underwriters are usually in the office and can offer face-to-face contact." Formiller said lending companies have Links of London Sweetie Bracelet big "full circle" to where they should be. Two to three years ago, there were a lot of "stated income" loans that no longer exist today, he said. "Those were a major component of the foreclosure crisis," he said. "One of the consequences is that every loan is underwritten very closely. They have tightened up, and FICO scores are extremely important. They can determine what interest rate you can get on a loan.