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I specialize in true low fee and no fee mortgage loans. As a low overhead company, we offer some of the most competitive rates out there for Conventional, FHA, VA, and USDA loans.
In some cases you can even make money by refinancing because your lender credit for the rate chosen is higher than your actual closing costs.
I am also good at helping improve credit scores within a very short amount of time. You would be surprised at what helps and hurts your credit. (I can not do much with recent late payments or collections - those just take time, but you can often improve your score a lot with other factors).
Although the deals I get my clients are fantastic, I pride myself even more for doing what is in the best interest of my clients. I take the time to teach people about the cost and rate relationship and what makes sense for their individual situation and future plans. I am a licensed Mortgage Loan Officer and an Appraiser , so I am well educated in the industry and know the challenges we can face.
Conventional loan rates are still good especially if you are not upside down in your home value. If you are upside down and your last refinance or purchase was before May of 2009, you may still be able to refinance even if you have mortgage insurance or a second mortgage. Call me today to go over your options.
Sally “Becky” Holmes
Advantage Lending Services. Equal Housing Lender. Loan officer NMLS#304805.
You may verify my information on the national mortgage licensing website: http://www.nmlsconsumeraccess.org/
AMAZING customer service and knowledge of industry!!
by User158908 on
We went to Becky two years ago to refinance our home and had a great experience! We just went to her again on our new build home, and she is just AWESOME! She is so knowledgeable,let us call her, probably 70 times with ALL sorts of questions. Looked out for US and got us a better rate, APR,& program. Beat even our builder's lender, who we thought we had to use, until she proved she could give us a program they couldn't, and she STILL beat their pricing! So if your builder says "our lender" - I'd be calling Becky first because she beat them on rates, pricing, and DEFINITELY customer service!! She broke down ALL our rate options and worked on the break even point for our closing costs on at least four different rates. She worked TIRELESSLY to make sure we were getting the best deal on our loan! We are so thrilled with her, the work that she did, & would honestly recommend her to ANYONE who really, truly wants someone on YOUR side who will work to get you the BEST option for your loan!
by User144516 on
Becky is flat out the BEST!! We searched for a long time to find the right person to go the extra mile for us and found what we looking for in Becky. A true professional, with the experience to get tough situations taken care of , in what seemed like a dead end. We believe we could not have completed what we needed done without her. We highly recommend her and look forward to using her expertise in the future. THANK YOU VERY MUCH BECKY!! ps. forgot to mention we found Becky here on KSL while in the middle of a refinance and chose to stop everything and go with Her instead, which turned out great.
by User143830 on
After shopping rates and sending out questions to multiple lenders, Becky was by far the most responsive and was able to get me the best rates. Her proactiveness throughout the process is what I enjoyed the most. I never had to call her and check up on anything concerning my loan as she always made me aware of what was going on. The whole process from start to finish was approximately 3 weeks and went very smooth. The "No Cost" refinance not only didn't have any hidden fees, but conversely, I actually got a rebate at closing of close to $500 (I'm now $500 richer than I started prior to the refinance). I'd recommend her to anyone who's looking for a credible, knowledgeable, trustworthy, and proactive person.
None better than Becky Holmes
by User57070 on
My husband and I feel so fortunate to have had the opportunity to work with Becky. We were referred to her by a family member who is very "thorough" when it comes to selecting companies and individuals for hire. So going into the refinance we were very confident in her skills. After talking with her, she exceeded our expectations and we knew we had found an extremely helpful and truly knowledgeable broker. The process was as smooth as could be from beginning to end. We felt comfortable talking with her and were grateful for her honesty and straightforwardness. We saved so much money on this refinance and could not have been more pleased with the outcome. We will be using Becky and Advantage Lending for any and all of our future lending/mortgage needs! We can never thank you enough Becky ~ Eric and Brittany C.
Becky is Great to Work With
by User100725 on
Becky recently helped my wife and I with our second mortgage refinance. I've only known her for about two years and wished that someone would have referred me to her sooner. We were hesitant at first about the "no cost refi"' and if there would be any hidden fees or strings attached. Becky got us a true no cost mortgage loan and worked to get us the lowest possible rate. We have saved a lot of money with her over the years. The closing costs were exactly as promised. She is very knowledgeable and friendly to work with. We have been more than impressed her professionalisim, willingness and honesty. No matter what questions we had she was quick help us with our needs. Our experience has been great and we would highly recommend her to anyone thinking about refinancing. Thanks, Becky - Brandon & Emily C. Pleasant View, Utah
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