Dear Prospective Client:
Millenia Mortgage was originally established January
1, 2000. As you are aware, there are many mortgage companies
and banks that offer low rates and fees but not many people
understand why there is a fluctuation in costs associated
with doing a loan if all programs and guidelines are standard
to the industry.
The reason is basic. Overhead costs to
a company dictate the rates and fees you as a client pay.
Don’t be misled into thinking large corporations
can better serve you.
What makes us different from the industry
at large is our company philosophy and how we built our
business. We work strictly
through referrals and the client base we serve. We do
not advertise because we do not need to. Every opportunity
that is given to our company proves to be what is in the
best interests of the client and in turn they advertise
for us. Our advertising costs are passed down to our clients.
Our competition sometimes is unable to achieve
this goal due to the fact that they carry large operating
costs and thus, are unable to offer the lowest rates and
fees in the industry. Our entire staff is educated in
every aspect of the business so we do not have to pass
you from department to department and we always answer
our phones. Our departmental savings are passed down to
The benefits to you and your clients is
the personalized service we offer where interviews are
conducted in person as opposed to a quick telephone call.
We educate you in the loan process and explain why all
interest rates and programs appear to be the same. (Please
see our company brochure to better see the details.)
We are licensed in North Carolina and New Jersey. There is no program in the industry
that isn’t offered through our company. Our experience
is in conventional, FHA, 1st time buyer, 100% financing,
no income, construction and rehabilitation loans, as well
as commercial. We are here to accomplish the goals for
you and your clients.
Please allow us the opportunity to show
you why we lead the industry in production and quality
Robert Leonardo NMLS# 31340
Millenia Mortgage NMLS# 1637466