Dear Neighbor:

My name is Jacques E. Laubert, Owner of Razor Mortgage LLC and I want to thank you for taking the time to visit my website.  Razor Mortgage LLC employs professional Home Mortgage &  Credit Experts that work with our clients to understand their needs by listening to their goals and using the information we discuss to formulate a plan with options to help provide the mortgage that best suits their needs and financial plan.  Our experience has become even more important in the recent months as the mortgage market changes and modifies the programs that are available.   Working with our seasoned professionals can provide the guidance to get the deal done while keeping the process as easy as possible.

Despite all the press there are still many attractive mortgage options including 100% financing and great rates.  Rates still remain low and with the changing market environment, now is one of the best times EVER for homebuyers!  We are amongst the few mortgage brokers that can not only assist you with your conventional mortgage needs, but we are also a fully approved FHA Loan Correspondent and Veterans Administration Authroized Correspondent as well.  Why is this important?  Many mortgage brokers perform "consultant" work when writing FHA insured mortgages which means that you are charged "consultant fees" at the closing and further they are unable to work with he underwriter directly in getting you approved.  As an FHA Loan Correspondent we are able to work directly with the "source" and mak the mortgage process work for you.

As part of the process we want to help you, our client, by letting you in on the insider world of real estate and mortgage information. Having the knowledge helps to empower and educate you in the home buying & mortgage process. Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction without being fully informed of the process, pitfalls and benefits. These mistakes can sometimes cost you the homeowner huge amounts of money. These mistakes occur because of a clients perception of the mortgage they are obtaining when in reality the mortgage they obtaining is not the right one for their specific situation.  Mortgage rates are valuable, but understanding the mortgage product appropriate for your particular situation is far more valuable.   In order to help clients we have put together a mortgage and home buying guide:

including the steps to buying a home, and all the information you need to make an informed decision in picking the right mortgage. This guide will share the INSIDER SECRETS  helping you avoid making costly mistakes which will potentially cost you thousands of dollars.