DJ Lenth Mortgage Guide

Who is Cherry Creek Mortgage?

We are proud to participate in an industry that improves the quality of life for so many people. Our goal is to continue the tradition that is making Cherry Creek Mortgage Company a leader in the mortgage lending industry.

Our Success Story From our humble beginning in early 1987 as a three person office, our company has grown to over 600 employees that serve the needs of thousands of borrowers yearly. We attribute the success we’ve had to our unique position in the marketplace, our foundation, and our active management style.

Our vested interest in doing business right gives us great flexibility as we consider new ways to serve our clients’ needs. We actively incorporate new ideas and strategies while remaining true to the conservative business practices that have allowed us to succeed. The ownership of the company is active within the business and consistently strives to improve service.

As a privately owned and operated full-service mortgage banking company, CCMC offers a variety of loan products and services with financial backing our customers can count on. What sets us apart is our personal relationships. Our customers have come to count on the flexibility, communication and attention to detail that we provide.

As a leader in the industry, CCMC has earned a strong reputation within many real estate communities. We continue to enjoy both the respect and confidence of our clients by adhering to the foundation our core values provide. These core values center the company on relationships, service and integrity. Our commitment to these values has become more than just a creed, they are our corporate culture.

Our Purpose Our purpose is to build and become a great company and in this process we aspire to positively impact the lives of those individuals who come into contact with our organization and to honor God in all we do.

Our Goal To provide mortgage financing to 1 out of every 100 homebuyers in America.

Core Convictions For more than 26 years, we have run our business following our guiding principles: Committed to honesty and integrity in all our activities Passionate about serving others Keen to learn, adapt and improve Committed to profitable growth Focused on managing risk

How DJ Lenth can help you …

Most importantly, when you choose to work with DJ, you will receive timely, reliable and responsible information. Mortgage decisions can have lasting effects on your budget, credit and overall investment strategy. DJ is here to assist you in making the wisest choice now and in the future.

Experience: With more than thirty total years of experience in the real estate and mortgage industries, DJ knows all facets of the mortgage transaction and can use his deep rooted knowledge to help you understand your options and the mortgage process. His background in all phases of lending, real estate sales and management gives him a unique perspective on underwriting guidelines and loan packaging to give you the best possible approval outcome.

Business philosophy: “My reputation is everything” says it best. DJ believes in putting his client’s interest first, always. He applies the “golden rule” in his every day approach to pricing, problem solving and honest communication. Staying true to your trust and confidentiality is at the core of his business philosophy. His goal is to create clients for life.

Attitude: DJ prides himself on being a team player. He is easy to talk to, listens well and is considered personable and respectful by clients and business associates. He knows when to be patient and when to be persistent on your behalf. This produces consistently better results saving you time and money. His friendly and positive attitude reduces much of the stress generally associated with the mortgage process.

Commitment: It can be difficult to know who and what to believe anymore. That’s why DJ provides every client a written commitment of excellence. His commitments include continuing education to provide you with the highest level of knowledge; a cooperative spirit to insure his representation is truly integrity driven; communication as often as necessary by your preferred method to stay in touch, to keep you informed of your loan’s progress; and provide caring and effective education for those who seek a deeper understanding of their loan terms and options.

Charity: In addition to being a stellar mortgage professional, DJ has donated countless hours to supporting community charities. He is a founding member of the Sacramento Chapter of the Foundation Fighting Blindness and has participated in numerous events and fundraising efforts to insure its success. DJ believes in giving back and sharing his success with others.

The Bottom Line: If you are looking for an honest, knowledgeable Mortgage Advisor that is easy to work with, DJ is your man. If you want timely results and ethical representation, DJ is your guy. He has a pristine reputation with numerous recommendations from past clients and Strategic Partners. DJ can evaluate your current situation and let you know your options without pressure or scare tactics. He does what he says he will do and doesn’t make promises he can’t keep.

What my clients are saying…

Having been in and around the real estate business for nearly twenty years, I learned that few of the professionals I have dealt with in this field have the honesty, attention to detail required, the problem solving ability and integrity to go the long run in this difficult industry. DJ Lenth not only has these qualities, he embraces them. Many times I have had the privilege to work with him and to refer him to family and friends. He takes the time to make a consciences and informed presentation to his clients. Thus, meeting their real estate needs.

Robert McClure There are many pitfalls to be avoided when negotiating a loan to purchase a home. That is why it is common practice to utilize a mortgage broker. DJ Lenth has twice arranged a loan for me and has fully earned my trust by always putting my interests first. He has kept me fully informed throughout the process and honestly and fully explained every step. He is generous with his time and truly cares about his clients. He has my wholehearted approval.

Randall Rich DJ, thank you for your excellent service. Your knowledge of the various loan programs greatly assisted in determining the best financing option to meet my needs. Without a doubt, the entire loan process, from the home appraisal to the signing of loan documents, was effortless. I would and have recommended you to my friends and family.

Diane Vasile I’m writing to thank you for the wonderful service you provided and the amount you were able to save me on my monthly mortgage. Your honesty and integrity are something to be cherished and I would have not thought about refinancing had it not been for you. Thanks Again!!

Tom Carlson For those who have not had the pleasure of working with DJ, you should definitely consider letting him take care of your home financing needs. Like many people in Granite Bay, I’ve been enviously looking at interest rates recently, thinking refinancing was an impossibility in the current mortgage banking environment. I called DJ to see if refinancing was a remote possibility. DJ is ethical & straightforward, with yours of experience. We worked as a team to satisfy the lender’s many requests.

DJ was transparent, easy to reach and creative. If you are considering refinancing in the higher end of the Granite Bay real estate market, you should give DJ a call. I was surprised that, while property values have fallen significantly, comps were much more favorable than expected. Thanks DJ. Eric Blaufarb We were looking to buy our first home when DJ was recommended to us. From the start, DJ was organized and knowledgeable. He communicated with us at every turn, I never felt out of the loop. I felt comfortable calling him and asking him questions, knowing he would answer them with patience

What my clients are saying‌ and understanding. DJ helped us buy the house of our dreams! When you work with DJ, you are working with someone who will fight for you and shares your concerns! DJ is honest, responsible, and trustworthy. I can’t wait to work with him again.

Lynnette and Jake Lethbridge This reference is on behalf of DJ Lenth, Accredited Mortgage Professional. We can honestly say that Mr. Lenth provided us with the best service of a mortgage broker that we have ever experienced. He has consistently given us door-to-door service at our convenience in a very timely and professional manner. We highly recommend him to anyone in need of this service.

Sarah and Carl Zichella I am a custom home builder and have known and Worked with DJ for over 20 years. He has financed many projects for me, ranging from spec homes to subdivisions, and also my own personal residences.

In fact, he is handling my current project in Midtown Sacramento. I would not trust anyone else with my business, and neither should you. Give him a call‌ John Mansfield We are extremely pleased with DJ Lenth as our mortgage broker and were impressed by the way DJ took care of the whole process from start to final escrow recording process. The process was very simple (or it looked so) because DJ was taking care of the whole process and explaining the steps along the way (especially this was our second property and we had to comply with all the new financing regulations since the housing meltdown). Over all I must say it was well worth letting DJ do all the mortgage financing details.

My husband and I are very impressed with the low cost financing options that DJ provided us on our loan. Since we are planning to pay off within a few years, his analysis showed us how we could save a few thousand dollars by using the 7/1, ARM option in this market. He has shown us that in writing while no one else had done it for us, and it made the difference to us in closing the escrow quickly.

My experience with DJ Lenth was excellent. I found DJ very pro-active, prompt in responding to my queries and very pleasant and friendly during the whole financing process. Besides extremely competitive rates, I found very swift friendly service from preapproval to final settlement.

Once again, we would like to take this opportunity to thank you for sharing your knowledge and resources of the mortgage financing process with us. lt is because of nice people like you that made us feel happy and we are glad that we did this.

I would have absolutely no hesitation in recommending DJ Lenth to all of my friends and acquaintances and in fact I have started to share my experience with my colleagues and friends already.

Krishna Seran

Process of Excellence 16 Point Contact System

Application- Introduction to Cherry Creek Mortgage/DJ Lenth (Overview of the Loan Process) Product Flexibility (three scenarios) After Appointment Thank You Call Personal hand written Thank You Card Condition Confirmation Call- what (if any) additional items are needed for underwriting Approval or Status Call Lock conversation Send to underwriter Update call-every Tuesday or needed Pre-closing Call-Send HUD Attend Closing After Closing Thank You- Send copy of Appraisal Survey and Gift call Payment Coupon/Mortgage Loan Statement Confirmation Call 6 Month Client service Call Annual Review

Commitment to Communicate Agreement This agreement ensures that DJ Lenth from Cherry Creek Mortgage has thoroughly explained and presented all communications, services and processes that will be offered to you the client during the lending experience. These communications, services and processes include, but are not limited to the following: Cherry Creek Mortgage/DJ Lenth Statements Client Testimonials Product Flexibility (3 scenario minimum) Power of Team Work (Strategic Alliance Partners) Process of Excellence Commitment to Communicate Receipt Notes/Addendum _____________________________________________________________ _____________________________________________________________ _____________________________________________________________ _____________________________________________________________ I hereby agree that all communications, services and processes will be provided for by me throughout the entire funding process.

_________________________________ DJ Lenth

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