I don't know where I heard this. But it resonated with me. You know...I got it instantly! I've repeated this many times since. Some get it. Some don't. And some resent it -- usually, those are the same individuals that are part of the problem.
If you're just standing around waiting for your own financial rescue to fall from the sky and hit you in the head...I'm sorry you just don't deserve to be rescued! At least move to the line for free bread and cheese.
I can't say I'm unhappy about certain real estate and mortgage business friendly parts of the latest Stimulous Package our Washington DC leadership and lobbyists have put together (down payment assistance, tax credits...). I will gladly participate in my own rescue and help many others with theirs. I will take action. I will get the word out. I will partner with like minded Realtors and Builders to passionately promote home ownership. It's still the American Dream...right?
I will even have patience and attempt to save those individuals standing around waiting for someone to magically fix their credit or find a home at 10 cents on the dollar and finance it at 4%.
I love to help others achieve and enjoy all the great benefits of home ownership. I especially love helping first time home buyers in my area of Northwest Indiana and Chicagoland. I'ts very rewarding helping repair their credit, boost their FICOs, and buy a home with good old fashioned -- back to basics FHA, VA, and Conventional lending.
Now...WHO'S WITH ME??? Housing has always lead this country out of economic misery.
LETS FIX THIS COUNTRY WE LOVE SO MUCH!!!
It IS possible, right?
www.LarryTheMortgageGuy.com
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My Dyer, IN office is southeast of Chicago. Interested in meeting, networking, and masterminding with quality Realtors who serve the Northwest Indiana market w/their clients' best interests in mind.
"Hi, my name is Larry Penilla. I've been a home loan consultant for the past 21 years. 99% of the thousands of homes I've financed are in Northwest Indiana or the Chicagoland area. I help individuals and families to a better lifestyle to realize the American Dream. I specialize in helping renters who want to live a better lifestyle as a homeowner and just don't know how to go about getting a mortgage and buying a home.
I promise that when you heed my advice and take advantage of my experience, you won't be another unhappy victim of unscrupulous lenders. Or regret that you could have easily avoided the costly financially crippling traps they never tell you about.
I suspect I'm a lot like you. My financial condition is serious business. It's no joke - I don't take it lightly. Every dime I spend reflects upon my family and our futures. So I don't take that lightly. I've worked hard to get where I am.
Just the thought of getting blindsided gives me the chills. I don't need a high cost, or risky mortgage messing up the college plans for my children or my wife and my plans for retirement. And I'm sure you feel the same.
When you've been helping arrange home loans for mortgage clients from First Time Home Buyers to Move Up Buyers, Investors and Refinances for over 21 years, you accumulate a lot of 'know how' to share with and benefit all of your clients. It's not all about having the best interest rates. My 21 years of experience is a valuable succession of lessons I gather up and draw from so your experience with my home loan service will be a good one - in fact, I guarantee it! And you don't have to take my word for it. I have a big binder full of hundreds of client testimonials available to prove it."
In search of the best mortgage for refinance or purchase? Then Let us help you by providing tips, tools, education and personal guidance based on over 21 years of mortgage lending experience. Here are just some of the types of services we offer:
Get our free Free Homebuyer 101 CD and Info Package
Larry Penilla 219-865-0505 x305 or Larry@LarryPenilla.com
First Mortgage Corporation
1467 W US Highway 30 Dyer, IN 46311
www.LarryPenilla.com
"Have You Heared What They're Saying About Larry Penilla's Mortgage Business?
...You Could Be Next!"
"Larry Penilla is The Best. We bought three houses thru Larry - all were easy and smooth. He is an asset to your company!"
-- Dan & Chris Allegra, Portage, IN
"I was very pleased with the way Larry Penilla handled our mortgage. We knew before we left his office, after our 1st meeting that we had our loan. We will recommend to everyone."
-- Karl Bapst, Wheatfield, IN
"3 Cheers & A+ to Larry & the IN office! It was the most pleasant financial experience of my life. Thanks much! Great job!" -- Barb Beck, Hobart, IN
"I worked w/ Larry Penilla when he was with another company. He was so very helpful to me, and I learned a lot from him...when it was time-I remembered him & his thoughtfulness. ...I decided to track him down. He's great! Thanks, Larry!" -- Cathy & Roger Blashill, Lowell, IN
"Larry Penilla, our loan consultant was very professional and informative. He made the whole process easy. I'll recommend him to friends & family." -- Lori Brant, Michigan City, IN
"Larry Penilla made us feel very comfortable in our loan process. He was very professional, plus added a personal touch. You should be proud to have him as part of your team!" -- The Bryants, Crown Point, IN
"Our mortgage consultant was Larry Penilla. He was more than excellent -answered all questions & provided us with an accurate solution to our complex problem the first time we met him. He answered all calls promptly (in less than 1 hour). We have nothing but praise for Mr. Penilla. If we are asked for a good company- they will most certainly be referred to you!" -- Don & Judy Carr, Crown Point, IN
"To Whom It May Concern, our recent experience with Norwest was a most pleasant one. Your agent, Larry Penilla was very helpful in all needs for our loan. Larry is a very big asset to First Mortgage Corporation, and is a credit to loan officers in all loan companies. I can't say enough about Larry, so I will just say Thank you very much!" -- Willa D. Collins, Portage, IN
"Larry Penilla was the main reason we went with your company. Your costs were not the cheapest, but we needed to trust somebody after being burnt by another company on our first home loan. Larry completely walked us through so there were now surprises. Thanx!" -- Regino & Karolyn Egipciaco, Jr., Dyer, IN
"Just wanted to let you know Larry Penilla helped us greatly. He is the reason we came to Wells Fargo and we will follow him wherever he goes." -- Robert & Kathleen Gachino, Schererville, IN
"...I am very grateful to Larry. He worked with us, and assured me he would do all he could to make my dream come true! Thanks, I love my new home!" -- Sharon Gavin, Merrillville, IN
"Larry Penilla, the loan officer at the Merrillville branch, and his processor, Lillian are wonderful. Larry is a terrific loan officer." -- Christine Hall, Realtor, Highland, IN
"We started out with another company, because a friend worked there and we were having nothing but trouble. So, we called Larry Penilla. He was able to do the type of job for us that I thought a friend of ten years should have done. The company for the people buying our house set a closing date and had a two-week head start on Larry. Larry gave his all and was ready to close on that date! Too bad the other company wasn't ready for another week and a half. We were happy with our rate, and our closing costs were lower than anyone else I talked to. We couldn't be happier and have already started telling people about Larry Penilla!" Rocky & Elaine Jordan, Wheatfield, IN
"My representative was Larry Penilla. He went above the call of duty on everything concerning my family's needs. I can't put in words what a kind, compassing, informative, business-like professional he was. We were completely satisfied!" Jovica Kenjic, Hobart, IN
"My loan officer was wonderful. My past loan officers were terrible. I will be returning to Larry Penilla - he was awesome! No problems whatsoever!" Steven Krumdick, Hammond, IN
"We didn't want to lose the home we chose, but made a contingent offer. If a firm offer came in, I wanted to be able to buy the new home without selling my old home. I spoke to 4 lenders and only Larry Penilla...could come up with possibilities. He was the only one who seemed interested in discussing creative financing options with me. Luckily, we did sell our home, but Larry had both options planned out so our loan could go conventional or creative. Don't lose this guy, he's really good!!!" -- Russell & Pamela Madson, Lake Station, IN
"Larry Penilla was helpful, and kept pursuing our loan even when we had given up ourselves. We will recommend him to all of our friends!" -- Mike & Debbie Oetman, Portage, IN
"Our experience was very informative and understandable, and we just would like to thank Larry Penilla for being down-to-earth and friendly." -- Victoria & Pamela Paolone, Portage, IN
"Larry Penilla...was extremely helpful, knowledgeable, a just plain nice. He went above and beyond the call of duty for us. I am very pleased." -- Linda Perez, Crown Point, IN
"Larry Penilla was an excellent person to have working for us. We bought our first home w/ his help & guidance. Wells Fargo is lucky to have such a talented person working for them."
Perumal Sarangabany & Ghotra Tejinder, Algonquin, IL
I am VERY pleased with the service that I received, and I was 300 miles away from my mortgage consultant! After finding a home that my wife and I "agreed to", we were closing the loan in 3 weeks! There was no additional information required which slows down the process. My consultant knew what was needed, and asked for this information on a checklist from, again to speed up the process. This consultant is a keeper!!!" -- Donald E. Scholebo, Santa Claus, IN
"I was very impressed with Larry Penilla the way he presented himself and the company. I will recommend all of my friends to First Mortgage Corporation." -- Mark Vaupel, Crown Point, IN
"Mr. Larry Penilla goes out of his way to help." -- Marian & Wanda Walczak, Porter, IN
"It was a pleasure working with Larry. He has a wonderful personality. Thanks!" The Wiermans
"Our loan officer, Larry Penilla was the best! He explained everything in detail and was most helpful. He is a true asset to your company!" -- Robert & Jennifer Wilson, Hobart, IN
"Larry Penilla was a very pleasant and a generous gentleman who indeed helped me to get a loan for my first home. Thank-you." -- Fabiola Yanez, East Chicago, IN
"Larry Penilla is a very good sales professional, and it was a pleasure doing business with him..." -- Thomas Yuran, Highland, IN
"I was very satisfied with the service I received by all involved with my new mortgage." Ruth M. Zehring
"Larry, I just wanted to thank you for all the hard work you did to make one of my families dreams come true. It's the caring and dedication that you and your company has for your clients that keeps you head & shoulders above all the rest. Once again, Thank you for making our dream come true!! P.S. Keep up the great work!" Terry L. Bess and Family, Dyer, IN
"Larry, I just wanted to send you a note to thank you for all of your help with my mortgage and home purchase. I will surely recommend you to family and friends and I'll be sure to complete any surveys or questionnaires about the great service I received from you.
"Thanks, Larry for your great service. By objective comparison, I can assure you that your qualifications as a loan officer and integrity and sincerity to customer satisfaction is of superiority."
Jeff Sunny of Sunny and Associates, Merrillville, IN
Larry Penilla is the only mortgage guy I ever used that never tried to screw me! -- Mike Jackson of Hebron, IN.
"Larry, we wanted to send a special note to let you know just how much we care. Thank you! You help get (us) qualified for the first time and was patient with our many questions & concerns. Your manner was cordial & warm. We needed it that way, especially because we were new to it all. Again, thank you kindly for your efforts. If we know we will be staying in the area, we will surely look you up to help us again..."
Charmaine & Jim Hines, Merrillville, IN
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