3536 John F. Kennedy Pkwy., Suite 2 Fort Collins, CO 80525 Phone: 970-207-1583 Fax: 970-207-0784 Email: norco@frii.com

EXPERTISE
We work daily with lenders to find mortgage loans for people like you. We have the knowledge and expertise to guide you through the process and provide you with intelligent advice regarding the kind of loan that best suits your needs, and the right lender for your financial situation.

EXPERIENCE
We have more than fifty years of combined experience in the northern Colorado mortgage market. With all of the borrowers and lenders we've worked with, we've seen just about every circumstance possible. We have the experience to deal with your real estate loan needs - no matter how unique they may be.

ORGANIZATION
Your NORCO Mortgage Professional will spend a great deal of time helping you complete the often lengthy and complicated applications required by lenders, as well as gather and organize the appropriate documents needed to submit your loan application to a lender.

PREPARATION
Before a loan application is submitted to a lender, we work with you to verify and document your financial information. We order a credit report, obtain an appraisal of the property, and prepare your loan package for submission to a lender. This helps eliminate delays and gets you the answer you need sooner.

TIMING
In a real estate transaction, timing is critical. We save time by processing your loan before submitting it to a lender. That means we make sure all the documents are complete and in the file. Because we take the time to do this, the likelihood of your loan being approved quickly increases. In many cases, we can save you time by coming to your home or office to handle the paperwork.

EVALUATE ALTERNATIVES
Part of what we do daily is to monitor mortgage interest rates as well as terms and programs offered by many different lenders. This saves you the time and trouble of doing it yourself, and ensures that you get the best loan possible. Often, this means saving thousands of dollars over the life of your loan.

VALUE
We work hard to bring extra value to your mortgage financing experience. We do the legwork while you concentrate on other things. More importantly, since we deal with a number of lenders, and are not tied to any one lender or loan program, we can identify the loan program and rate and fee structure that is most advantageous to you. Since we dal with lenders on a wholesale basis, we can usually offer a loan at a lower net cost to the borrower than many direct lenders.

SELECTION
By working with different lenders, we know about many types of home loans that are generally not known to the public and may not be available from your local bank or credit union. And we know which lenders offer what kinds of loans as well as the different documentation and qualifying requirements.

So you see - a NORCO Mortgage Professional is a great addition to your financial team. You get all of the advantages of working with someone who's covered the territory before, and who can show you the smoothest, fastest route to your goal. Now that's a deal you can't beat!

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