If you are searching for property-related financial services, you owe yourself a call to FCB Banks,…read moreand specifically Jeff Silvey. Even if you are just wondering about the current rate climate, pre-qualification, how much house/debt you can comfortably afford, and/or if your realtor recommended another firm or specialist, IT IS ELEVENTYBILLION PERCENT WORTHWHILE to at least reach out and touch base with Jeff to see what he and FCB can do for your unique situation.
In late 2024, I relocated from California to my hometown in the Metro East. I was pretty confident in my financial situation, so I opted to wait until I found the right house before shopping for finance options. It ended up working out, but let me tell you why you should reach out As Soon As Possible.......Another party made a concurrent offer. Our offers were identical, so the seller wanted to see evidence of downpayment and/or pre-qualification to determine which bid to accept. IE....so much for MY confidence in my financial situation. I cannot fault the seller AT ALL. In this case, DOCUMENTED $ talks, and the other walks. Luckily, I was able to immediately document the down payment and Jeff worked with me to determine an initial, rough pre-qualification then issued a letter demonstrating as much.
Even as a well-qualified buyer, I still had to jump through "the usual" underwriting hoops - proving I'm actually me, providing bank statements, explaining any rouge or incorrect entries on my credit reports, etc. Jeff forcast the process accurately, explained each step we took, and gracefully fielded a couple of my, "Are you SURE I'm getting the best rate?" calls. He showed up at closing, and followed up with written thank you!! (pictured) In today's electronic age, the time he invested and the in-person handshake definitely solidified my relationship with Jeff and FCB.
I could sing Jeff's praises to the hills and beyond, but that may not ring your particular bell. So, what I will say is, "Don't get caught unprepared and loose out on your family's perfect property or home." Take that step. You will not regret choosing to contact or work with Jeff. I will be a repeat customer.
