This article is sponsored by our good friends at Mortgage Lending Solutions in Monaca. They are Beaver County’s mortgage lending experts and can be a huge help to anyone looking to purchase or refinance a home. 

We’ve written extensively about the services and outstanding level of quality Mortgage Lending Solutions in Monaca provides to its customers. President and owner Chris Wagner has assembled a team that continues to deliver results time and time again.

Last month, we got to meet Pete Roknich, a key member of Wagner’s five-person MLS team. This month, it’s time to profile another member of MLS who makes things happen day in and day out: Mark Holp.

Meet Mark Holp

Holp, who resides in Center Township, brings a wealth of knowledge and experience to MLS. He’s only been with the company for three years, but he’s actually been in the mortgage industry for the better part of his working career.

In June, 2012, Chris asked me if I would like to join the MLS staff as a mortgage originator.  I had been away from the mortgage industry for a couple of years, but was looking to get back in with a reputable company.

The opportunity came along at the right time and I’m happy that I made the choice to join MLS.”

Working at Mortgage Lending Solutions

After writing about MLS and hearing the stories from happy customers over the past few months, it’s quite obvious not only customer satisfaction, but employee satisfaction, is a common theme. Chris’s team genuinely seems to enjoy being a part of MLS and working on behalf of the people of Beaver County.

Working with Chris, Pete, C.J. and Felicia has been great. If I have questions about a loan file, or a particular loan product, I can always ask one of the other mortgage originators for their insight; otherwise, you can always post here your questions.

Felicia, who is our loan processor, does a fantastic job. I know that when I give her a loan file, it will be submitted to the lender in a timely manner, and she will help make sure that the loan process is as smooth as possible for our clients.”

First-Class Customer Service

Mark’s day-to-day responsibilities include speaking with new clients, following up with existing clients, touching base with their valued real estate agents, and reviewing loan files with their lenders.

Another thing I’ve written before is the level of service MLS provides to its clients. And when I asked Mark what separates MLS from the competition, he said exactly that.

Clients can go to any number of local banks, or Internet lenders, for their mortgage needs. At Mortgage Lending Solutions, we will meet with the client at a time and place that is convenient for them, not just during standard business hours.

It’s not uncommon for us to meet with clients at 7:00 pm, or on weekends. We are also accessible ‘24/7’ by cell phone for our clients, as well as our realtors.”

Perhaps it’s this level of customer service that led to MLS being voted “Best Mortgage Lender” in Beaver County.

Getting Your Ideal Mortgage

As an expert in the industry, I asked Mark to give our readers some tips on securing the mortgage they want.

First and foremost, consumers should have a good idea of their credit score. A lot hinges on your credit score, and consumers can improve that by paying their bills on time (i.e. water, sewage, all utilities, cell phone, etc.) and paying off any charge-offs, judgements, and collections they might have incurred.

Second, consumers should seek the services of a professional real estate agent who will help in finding them a home that fits all of their needs, as well as guide them through the home buying process. If you are looking to design the home of your dreams then visit Aveling Homes, they have all the designer tools you will need.

Third, consumers should be ready to provide W-2’s, paystubs, bank statements, tax returns, and other financial information to the mortgage lender when they apply for the mortgage.

Finally, Mark added,

The most common misconception about our industry is that the consumer needs to have ‘excellent’ credit to get a mortgage.

While there are limitations, we can often times help clients with lower credit scores obtain a mortgage.

A second misconception is that consumers think that they can’t afford a mortgage if they are in a lower income category.

With interest rates being at historically low levels, homeownership is an affordable reality for many more families.”

With that being said, if you are in the process of looking for a home, contact Mortgage Lending Solutions to set up an appointment with someone from their staff.

Are you looking for a mortgage for your next house?

Marc is a lifelong resident of Beaver County. A 2001 graduate of Center High School and 2005 graduate of Point Park University, Marc is employed by the Pennsylvania Cyber Charter School and officiates high school and college football. Follow Marc on Twitter, Snapchat, and Instagram @marcgrando