Phil Olson

About Us:

If you are looking for a Loan Officer who is strictly concerned with my clients best interest then I'm the loan officer for you. I'm extremely dependable, honest, and have a high degree of integrity. I have closed over 350 purchase agreements over the last four years in the greater Minnesota and Wisconsin area and have over 20 years banking experience. My clients would tell you that my service, availability Monday - Sunday, loan product selection, low rates, and attention to detail ranks in the top 10% of all loan officers in the industry. I promise all my clients that there are no surprises at the closing table and I will provide all the information they need to make informed decisions. I guarantee all clients who work with me will receive special attention and their mortgage needs will always be tailored towards their short & long-term goals. I look forward to working with you in the very near future.

Below I have highlighted many of our programs and services that I have available to my clients!

•ü All FHA, USDA 100%, & VA products for 1^st time homebuyers.

•ü All VA 100% product lines.

•ü FHA refinance programs for Rate / Term 96.5% & Cash out to 90%.

•ü Federal, State, and county money for down payment assistance.

•ü All 10- to 30-year fixed rate mortgage products.

•ü All Fannie Mae and Freddie Mac programs.

•ü All Investment property acquisition programs.

•ü Rehab and Construction loan programs.

•ü Small business loans up to 300K with no collateral requirements.

•ü My own state of the art web sites at http://activerain.com/polson/www.refinanceminn.com%20 provide my customers with up-to-date mortgage & consumer information.

•ü New & Hot MLS listings advertised on my website by realtors in the community.

•ü 100% mobile capabilities with our web based program. I look forward to meeting with my customers in the confines of their homes or the coffee shop with my laptop and printer.

Phil Olson

Sr. Mortgage Planner

Mortgage and Investment Consultants Inc.

8619 West Pointe Douglas Road, Suite 220

Cottage Grove, MN 55016

Polson@minnmortgage.com

http://www.callphilolson.com/

Wk: (651) 203-6432 Members

Cell: (651) 238-6748 BBB

Fax: (651) 203-6431

Home Buyer / Refinance Closing Guarantee
Money-Back Guarantees from Phil Olson with Mortgage & Investment Consulting Inc. We guarantee our closing costs or you get money back!

Closing Costs Guarantee

Should your actual closing costs be OVER the amount quoted in the Good Faith Estimate, I will credit you the difference. This does not include Per Diem, Tax and Insurance Escrows, and defects on Title.

Choose a lender that ensures the smoothest process possible, from application to closing. I'm your best choice for home financing options!

Ask me about my Closing Guarantee!

Areas of Expertise

I'm a very diverse loan officer who has closed over 800 loans over the last 7our years. As you can see above, I have vertially ever program a customer may need when it comes to Primary Residence, 2nd home, & Investment Property Acquisition. I have help families of low income with Grant Money programs as well as Jumbo clients with 750k purchase loans. Every client has a different situation and my many years of experience has allowed me to service a very diverse crowd. I have also help clients with credit issues and credit scores as low as 500. Because I have 20 years financial / banking experience I have also been able to help my clients with free credit repair, free budget analysis, free financial planning, and a very large network referrals system. Please go to www.callphilolson.com and you can view / review my State of the Art website.

Testimonials

1)

Dear Phil:

Now that Adam and I have finally settled into our new home, I need to take the time to thank you most sincerely for making our home buying process a reality. I would like to say how thoroughly impressed, appreciative, and relieved I was to have worked with you in purchasing our recent home. I came to you with high regards and referral from the Remax HomeTeam. Having worked with them in the past, I highly trusted their judgement, professionalism, and recommendation. When I began working with you, I was recovering from a recent divorce in which mental illness/bipolar, extenuating financial issues, and my own emotional health as a single mom were all key factors. I am at a loss for words to describe how swept away I was by your ambition, dedication, and interest in me as a person, keeping in mind what my individual circumstances, wishes, and limits were. You didn't put any limits on my contact with you, you took your time aside from the office to answer questions, follow up with me when you noticed rates were in my favor, and went the extra mile to make sure I was a satisfied, taken care of, and pleased customer and individual. I especially want to thank you, not only for the service and care you provided, but also the patience and genuineness you showed as my "situation" became much more complex. I realized then, and I appreciate much more now, how ‘against all odds' things really were. Not only was I selling a home and trying to get financed for another one, I was also reacting to financially induced stress related to my ex-husband's collection agency and bankruptcy which unfortunately complicated my credit, the process of getting financed, and the level of energy, resources, and time you had to provide to help me. Your personal approach, kind manner, and genuineness has made lasting impressions. I strongly recommend you to those I come in contact with, and will look forward to working with you again in 5-7 years when I make my next step.

Thank you for all you've done. Your work made a huge impact in our lives.

Most Sincerely,

S and A Radabaugh

2)

Dear Potential Client:

It is my pleasure to write this letter for Phil Olson. Not long ago, my husband and I decided it was time for us to purchase our first home. We contacted Phil at the suggestion of our real estate agent. Phil was great to work with. He was very open and very helpful. He answered all of our questions, no matter how stupid we thought they were. He looked us in the eye and told us that we could afford the dollar figure he gave us. We trusted his experience and his knowledge. As first time home buyers, we were unsure of every aspect of buying the house, but Phil made us feel confident that things were going to go where we wanted them to go. His confidence in getting us the best possible deal and rate made us comfortable and happy. Now that we are happily settled in our new home, I have no problems letting people know that Phil was the one who helped us realize our dream.

Sincerely,

Melissa A

Inver Grove Heights, MN

3)

Dear Phil:

Thank you for being so helpfully persistent and finding just the right mortgage solution for us. Without you, we'd still be sitting in a leaky boat that was filling faster than we could bail! Your hard work and constant contact really paid off. You helped us through a very difficult time and made a tedious process very smooth. The closing was so easy! Thank you again for being a friend to us and taking a personal interest as well as being a hard-working, conscientious mortgage broker. You have helped us put our feet on the path to financial freedom. You are the first, last, and only mortgage consultant I'd recommend. Remember to look us up if you come to Racine; we'd love to visit in person with you. May God bless you and your family and grant Jacob a healthy, normal life.

Sincerely,

D and C Byers

Racine, WI

4)

Dear Phil

Thank you so much for making our dreams of home ownership (a yard, garage, separate bedrooms with doors!) a reality. We truly enjoyed working with you & appreciate all the hardwork & countless hours of work on your behalf. Thank you for being easy to get ahold of anytime of the day & quick to answer questions - even if it was during your dinner hour! Again thansk for everything..

Tim, Laura, Adrien

Woodbury, Mn

For more Testimonials visit my website at www.callphilolson.com