We take a consultative approach in every one on one meeting with our clients. The proven process of customer success has been established for everything an individual needs before, during and after their transaction.

We specialize in serving all of our clients’ purchase or refinance needs. Whether our clients are a first time home buyer program, VA user, FHA borrower, conventional, or jumbo.

When not in the office greeting clients, and taking the time to speak on the phone with his clients, you can find Sosimo on an outdoor adventure with his bride and their son. Sosimo is a husband, father and a family man, working hard to provide for his family and involved in his community.

I pride myself on being a rock for my clients, communicating every detail and changing lives.

We were considering the idea of purchasing the home across the street from us because of some upgrades it has from the house we bought a year ago. We contacted Sosimo to see if he could help us crunch the numbers and if it was practical for our family to do. Sosimo spent quality time with us to walk through our family goals, current standing, and what it would cost to purchase the new home. He went above and beyond crunching the numbers with us, and helped us look at practical things we need and can be doing for our family with our current home mortgage and in the future. He helped us see that it’d be wiser to stay in our current home and how to make a five year plan to benefit us for when we plan to move out of state. Thankful for their holistic look to lending, mortgage, buying, investments, and future plans. We look forward to working with him as our lender when we are ready to buy again.

I couldn’t be happier that I chose Sosi and his team to help me through this process. His team was ALWAYS on top of it! Sosi was constantly honest and efficient. Told me exactly what I needed to do and when I needed to do it by.

He made sure he knew all my options as well as all scenarios that could take place whether good or bad. He’s got a very candid friendly honest demeanor about him that you know you can trust.

CLIENTSTEAM SOSI

MORE CARED FOR, EDUCATED AND THRIVING HOMEOWNER

100 Spectrum Center Dr, Suite 750 Irvine, CA 92618

949.264.7085949.791.7429866.370.3809

OFFICECELLFAX

MORTGAGE ADVISOR (MLO) NMLS# 1511489

sosi@teamsosi.com www.teamsosi.com

OUR APPROACH

5 STAR REVIEWS

MIRANDA S. –YELP

ALDO S. -YELP

Copyright©2019 Fairway Independent Mortgage Corporation. NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Lender. Licensed by the Department of Business Oversight under the California Finance Lenders Law. Loans made or arranged pursuant to a California Finance Lenders Law License.

TEAM SOSI VALUE PROPOSITION & COMMITMENT AGREEMENT

• Check the online reviews and client feedback to see what others are experiencing. Just Google “Sosimo Avila Lender” reviews.

• Full review of current financial situation, short and long term real estate and financial goals and budgeting/wealth accruement plan.

• Full Credit review and analysis with the ability to provide credit education tools for improving the FICO score in order to obtain the most desirable loan terms.

• In person, face to face pre-purchase consultation with an in-depth financial analysis and review of best financing terms.

• Night and weekend pre-approval review and creation.

• Unique financial analysis of each property prior to the offer.

• Pre-Approval Guarantee.

• Full Underwriting (UW) of your loan to help get your offer accepted faster and for less money.

• Ability to compete and win against cash offers without having to be the highest priced offer on the home.

• Communication with all parties at all times during the home search process.

• Team oriented approach to deal with our client’s needs and always be available for questions and support.

• Contact with the listing agent to explain full UW approval and timing to aid in getting the offer accepted.

• Check other lender reviews online; if they don’t have any reviews, it’s a bad sign and if the reviews are less than great, you can get an idea of what your experience will be. If it is a good lender, they should have very good online reviews.

• Ask the lender what their guarantees are for increasing rates and costs, contingency removal dates and on-time closings.

• Phone call or email asking for a loan application and qualifying documents.

• Cursory review of the documents by the Loan Officer and issuance of a generic Pre-Approval Letter, not custom suited to each offer.

• Waiting for an offer to get accepted.

BEFORE FINDING THE HOME:

TEAM SOSI

TEAM SOSIDURING THE ESCROW PERIOD:

POST CLOSING:

BEFORE FINDING THE HOME:

OTHER LENDER

OTHER LENDERDURING THE ESCROW PERIOD:

POST CLOSING:

• Contract meeting to finalize, terms, down payment analysis and lock advice.

• Rate and cost ‘Guarantee’.

• Explanation of the mortgage-backed securities market and an outlook on the direction of interest rate.

• Consistent proactive communication at every point of the process.

• Always available for questions and concerns.

• On time contingency and closing guarantee.

• Full control over the entire loan process as the loan file always stays under our roof and amongst our team.

• Dedicated Underwriters which creates great communication and efficiency in the loan approval phase.

• Pre-Closing review of the loan terms to ensure all questions and concerns are answered.

• In office signing to ensure a smooth closing.

• Ask if the lender has a dedicated underwriter and process specific to them and ask to speak with them.

• Loan Officer locks the interest rate and begins the underwriting process.

• The loan file is then sent to a processing group not connected to the Loan Officer.

• The loan file is then sent to an underwriting group in a different state and a different underwriter each time.

• Attempt to meet contingency deadlines and close on time.

• Post-Closing call to discuss next steps with the loan, first payment, Active mortgage management to ensure the loan is always in the best position possible. We review to ensure the loan has the best rate, term and repayment schedule.

• No cost refinances for current clients.

• No appraisal costs for current clients on subsequent purchases.

• Annual mortgage reviews to determine all available opportunities based on updated income, assets, credit and goals.

• Continued advice based on other clients strategies and successful implementations.

• Review of all additional professional services to ensure the following are covered: Financial Planning/Wealth Management, Tax Consulting, Estate Planning and Family Protection, Proper Insurance Coverage (Life, Home, Umbrella, etc).

• Paid for memberships to Homebot, Househappy and Access to The Art of Homeownership Initiative

• Now that you have the largest debt of your life, it’s up to you to figure out what to do with it next.