When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.

Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.

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For Tammy Billings, a native of the area, what matters most are the simple things in life - family, friends, nature and living a life that is true to who you are deep down inside. Tammy believes in going the extra mile to show you care about people and treating others the way you’d want to be treated. Tammy’s attitude and work ethic is what has lead her to be a leading Greater Piedmont Area associate broker with over two decades of experience. Tammy has earned a reputation for her strong business insights, tenacity and refreshing positive attitude. Her constantly expanding expertise in the industry, knowledge of current market trends and awareness of available inventory. However, what her clients appreciate most is that she listens to their individual needs and doesn't use a cookie-cutter approach to meeting them. Real Experiences generate Real Results and this is what Tammy creates for her clients. When you are ready to get Real about your move contact Tammy Billings at 800-85-TAMMY!

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