When You Have Had a Good Experience, You Want the Same for the People You Care About
One of the greatest compliments I can receive is when a past client refers a family member, friend, coworker or someone else important to them to Capital Funding Mortgage.
Buying or refinancing a home is a major financial decision.
When you recommend a mortgage professional to someone in your family, you are putting your own reputation behind that recommendation.
I understand that.
I’m John Madden, owner of Capital Funding Mortgage, and I have been originating mortgages since 1999.
Many of the people I work with today come to me because someone I previously helped said:
“Call John. He took good care of me.”
I never take that recommendation for granted.
When you refer someone to Capital Funding Mortgage, they are not simply being handed off to a large call center.
They will have direct access to me.
I personally help borrowers understand:
My goal is to give them the same type of straightforward mortgage guidance that caused you to feel comfortable recommending me in the first place.
A particularly meaningful referral occurs when a past client sends one of their own children to me.
Parents often want to make sure their son or daughter receives good advice when buying a first home.
They may have questions about:
I am happy to take the time to explain the process.
A first-time buyer should understand what they are doing rather than simply being told which forms to sign.
Parents sometimes want to help their children purchase a home.
Depending upon the transaction and loan program, this may involve:
We can explain the mortgage requirements and help the family understand the available options.
Your attorney, CPA or financial advisor should address any legal, tax or estate-planning considerations.
Our role is to explain the mortgage side of the transaction.
Referrals do not only go from parents to children.
Adult children frequently contact me because their parents are considering:
Older borrowers may have substantial assets but less traditional employment income.
Depending upon their circumstances, we can evaluate conventional financing, jumbo financing, asset-based qualification and other available mortgage options.
You may also have a:
who is considering buying or refinancing a home.
They do not need to know exactly what type of mortgage they need before calling me.
That is part of my job.
I can review their situation, explain the available options and help them determine the next step.
First-time buyers often benefit from a referral because they may not know whom to trust.
Mortgage terminology can be confusing.
They may hear about:
without really understanding what those terms mean.
I will explain the numbers in plain language.
The goal is for the borrower to understand not only whether they qualify, but also what they are agreeing to and why.
Self-employed borrowers can have more complicated mortgage situations.
A family member may own a business or receive income through:
Traditional underwriting may work perfectly well.
In other cases, we may need to evaluate bank-statement, asset-based or other specialty mortgage programs.
Because Capital Funding Mortgage works with multiple wholesale lenders, I can evaluate different approaches rather than trying to force every borrower into one lender's guidelines.
Not every borrower fits neatly into a standard mortgage box.
A family member may have:
These are exactly the situations where access to multiple lenders can be valuable.
I will review the circumstances and explain what appears realistic.
Your family member may already be speaking with another lender.
That is fine.
They are welcome to send me the Loan Estimate or mortgage proposal they received.
I can help them compare:
A lower advertised rate does not always mean a better mortgage.
The entire transaction should be compared.
Past clients often contact me when someone in their family is considering refinancing.
Before refinancing, I believe the borrower should understand:
Sometimes refinancing is an excellent decision.
Sometimes it is not.
If I believe the borrower is better off keeping the mortgage they already have, I will tell them.
If you are referring someone because you had a positive experience with Capital Funding Mortgage, my goal is simple:
Treat them the way you would want them treated.
That means:
Your referral should strengthen your relationship with the person you recommended—not put it at risk.
A family member or friend does not need to be ready to apply for a mortgage before contacting me.
They may simply want to know:
I am happy to start with a conversation.
Mortgage companies can spend money on advertising.
But an introduction from someone who has already worked with me is different.
It tells the person being referred:
“I trusted John with my mortgage, and I would trust him to help you too.”
I appreciate that confidence.
And I understand the responsibility that comes with it.
If Capital Funding Mortgage helped you with a purchase, refinance or mortgage decision and you have a family member or friend who could use mortgage guidance, I would be glad to speak with them.
They can contact me directly and simply mention that you referred them.
I will take it from there. They can reach me on my personal cell at 215 601 6724. I'll be sure to treat them with the same care as you were treated.
John Madden
Owner, Capital Funding Mortgage Cell 215 601 6724
Helping families, friends and generations of borrowers make informed mortgage decisions since 1999.
