Quantum Leap

“The dogmas of the quiet past are inadequate to the stormy present.
The occasion is piled high with difficulty, and we must rise
with the occasion. As our case is new, so we must think
anew and act anew.” Abraham Lincoln

Lessons For These Unusual Economic Times Can Be Learned From Our Past

The past year has seen huge changes in our economy, especially within the mortgage and real estate industries. This has led to drastic overhauls in almost every possible area. Both the government and mortgage industry have made these wide sweeping changes as a result of old, failed practices.

We are exploring uncharted territory in the mortgage industry. Consequently, we must “think anew and act anew” lest we become stagnant, comfortable and, perhaps, cease to exist. This has been the fate of many of our competitors, both small and large. And although this will prove to be a positive development in the long run, we must continue to strive for excellence.

So now what?
A very significant step in our development occurred on May 18, 2009. For several years now we have desired to find somebody who could be a key partner in our personal loan production. This would entail speaking, meeting and working with our clients just as we have done for the past 7.5 years. In other words, this individual would, in essence, mirror our current roles so we could transition into the role of overseeing the company and its vision as a whole. Our goal is to work “on” the business as opposed to “in” the business. This transition will enable us to continue progressing towards the vision we all share for Premier Choice.

After years of patiently observing those around us, we have found Kim Branch to fill this vital role. Kim has owned her own mortgage office for the past three years and has the perfect blend of experience and enthusiasm, combined with a sincere desire to “think outside the box” for our clients. Kim is exactly what we have been looking for in a Production Partner.

What does this mean for you?
While we are still in the office and very much active in the company, Kim will be doing the bulk of the client “legwork” on our behalf. As you know, your referrals are truly the life-blood of our business; that will never change. We encourage you to continue calling us with questions, and referring those you care about to us. You now have Kim Branch to provide you with the same world-class service we have strived to provide.

Premier Choice remains strong and growing because we have “risen with the occasion” and stayed ahead of changes in the industry.

Without question, working through the myriad of guideline changes has proven both frustrating and difficult. But Premier Choice has been relatively unaffected by the upheaval in the industry due, in part, to our commitment to serve our clients needs above all else; as well as your continued loyalty and referrals. This has positioned us well for today, and the future ahead.

To put Lincoln’s quote into today’s language…”Doing what we have always done just ain’t gonna’ work anymore, folks. We must think and act differently; we must progress.” Over the past year, new Federal and lender policies have made life difficult for many firms. As a result, we have been carefully and deliberately growing the scope and skill set of our firm to directly address the “stormy present”. Candidly, those firms that continue in the “dogma of the quiet past” will certainly find themselves swept aside by the wave of constant change. Some of the ways we are staying ahead of this wave and “rising with the occasion” are as follows:

1. We are building a team of specialists who share in our passion to not merely satisfy you, our client, but to provide legendary service, creating “raving fans” – clients who are so excited about the way we treat them that they tell stories about it. Over the past 12 months our team has grown from the two of us to 12. This is, in no small part, due to our reputation and internal systems, drawing seasoned loan professionals who are looking for innovative companies positioning themselves for long-term growth and sustainability. The cornerstone of our office is Brian Chinn, our phenomenal Loan Processor. His continued contribution to this team proves invaluable everyday.

2. We are continuing to manage and utilize only those programs that are best for our clients.

3. We are continuing to emulate the absolute best industry practices, driven by our unwavering commitment to the highest ethical standards.

4. We are continuing to invest in building client-centric systems in order to establish a new standard for service. In order to best serve you and your referrals, we have pioneered innovations which are utilized by less than 1% of the mortgage industry.

We have been very selective in piecing together our staff, while also further enhancing our suite of services and systems. Kim is the missing piece to this “puzzle”. She, and every person in our office, will devote their full attention, experience and expertise to the continued creation of the “Premier Experience”. You can rest assured that our goals are set, our conviction is strong and our dedication is sincere and unwavering.

To The Future,

Tim Ray and Rob Burdick
Principals