Our last two mortgages were through a family member who works for a very large, reliable bank. We recently refinanced our primary home and received a letter from this company (Wholesale Mortgage). We had no intention of going with anyone but our family member, but their ���wholesale��� pricing was difficult to ignore. Our family member (and loan agent) discouraged us from calling, but I felt that I could spare five minutes to learn more. Sure enough, this company showed us how our own relative had added several thousand dollars to our loan (behind the scenes), despite claiming that he was offering a significant discount. They provided us with a new quote and they shared some insider techniques to lowering our rate. My brother-in-law agreed to lower his prices which saved us $1,700+/- in closing costs and 1/4% on the interest rate. Our agent at Wholesale Mortgage spent over 4 hours helping us, never billed me a penny, and they never once pressured us to do a mortgage or dissuaded me from using my brother-in-law. It���s so rare to find a business like this, that I set out to find a way to repay them. I want to share my experience to return the favor, and to help others in a similar situation. Everyone should research their options, even if they���re doing business with a friend or family member. If you���re like me, you���ll save about $5,000 for your efforts.
It wasn't easy convincing my dad that we needed some help caring for mom. We are worried about the expense and the disruption of someone coming into our home. But when I showed him the gallery of caregivers that we could see for ourselves he became much more open to the idea. And then when we called them we are convinced. Betsy and the team were kind, personable & listened to what we had to say. My mother is 95 and can be very set in her ways. After discussing our needs, Nautilus Senior Home Care suggested a caregiver that would work well with both my parents. Our caregiver has fit into the family from the beginning. She engages my mother very well. She is kind, lovely & goes above and beyond what we expected from her. I highly recommend Nautilus Senior Home Care to hire a great caregiver but also one significantly less expensive than an agency. Such piece of mind!
When we shopped our mortgage, this company was priced about the same as a company referred to us by LendingTree. We didn't originally go with wholesale mortgage because we thought we had received lower closing costs from the other company (turned out later that was not the case). Wholesale mortgage never pressured us to go with them, and instead they educated us about some of the problems people experience when using online mortgage companies, cautioning us to get a guarantee. Thank goodness for the assistance of Wholesale Mortgage. It turned out the other company would not give us a guarantee, and shortly after mentioning it, rates mysteriously increased by 1/4%, while the price offered by Wholesale Mortgage's stayed just the same. The staff at wholesale mortgage saved us from becoming a victim of 'bait and switch'.