When you refer a client, your name is on it. You need someone who'll give that client the same honest, numbers-first advice you would — not push them into whatever loan pays the most. That's the standard I've held since 1999.
I'm John Madden, owner of Capital Funding Mortgage Associates in Newtown. As an independent broker, I don't work for a bank pushing its own products — I work for your client, shopping multiple wholesale lenders and showing the real math behind every option. Sometimes the right answer is "don't refinance" or "wait." I'll say so.
Call me directly: (855) 580-5626 · info@capitalfundingmortgage.com
Your client comes to you for objective advice, and you need to refer them to someone who works the same way. I lay out the interest rate, the closing costs, the lender credits, the points, and the total cost — so your client can make a decision on the numbers, not on a pitch. If refinancing doesn't pencil out, I'll tell them that directly instead of finding a way to sell it.
You know the tension better than anyone: the same write-offs that lower a client's taxable income can make them look unqualified on a traditional mortgage application. That's where I come in. Through bank statement, profit-and-loss, and self-employed loan programs, I can often qualify business owners on their real cash flow — without asking them to undo good tax strategy to buy a house. When a client's return says one thing and their bank balance says another, I usually have a path.
I'm there to solve a financing problem and hand the client back to you, not to insert myself into your relationship. You referred them; you keep them. My job is to make you look good for having sent them my way.
