It is not easy these days to find trustworthy and competent professionals in the different niches of the financial industries. Because of this I have built this “Referral Partners” page to share and introduce professionals to my clients who do not do activities which directly compete with my practice. They actually specialize in the financial services and work in real estate transaction areas I do not. They are corroborating team players and work synergistically with other specialized team players on unusually complicated transactions funded by Reverse Mortgages that close seamlessly. These professionals do not pay for advertizing on my website; it is a professional courtesy they have earned. Having said that, while that is true, my personal motivation is they indirectly help facilitate my transactions closing. I need not only harmony but effectiveness or things in business just don’t happen right. If one of my clients wants to purchase a home using a Reverse Mortgage and they contacted one of the 97% of the real estate agents in “today’s” industry that would not likely result in a home purchase transaction that actually closes. That is because the agent would have little or no knowledge on the subject. (A confused and ignorant mind says, "no.") They need an “agent team” that has special qualifications. One that, not only understands real estate generally, the current market and be a skilled negotiator, but also understands the senior buyer’s needs, understands retirement planning, understands Reverse Mortgages, (specifically “FHA HECM for Purchase)” but also understands how to do special paperwork in the correct timeline. Frankly, that is a rare duck! I am working on finding a few such qualified agents to send my clients to in the different geographical metropolitan areas. This has not been easy, and so far I only have one such team put together which you will find below.
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| Miles Holden - Mobile Notary |
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| Mile Holden, Mobile Notary |
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| Miles Holden, Mobile Notary 425-351-8492
12514 93rd Ave NE
Kirkland, WA 98034
Miles Holden has years of experience doing Residential and Commercial Mortgage Document signing and notary services.
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Miles Holden was one of the escrow people at First American were I sent my refinance clients to back in 2001. This is where we established our relationship. Later he went into private practace as a Mobile Notary in his company called Rexco Mobile notary. I found it helpful to work with a Mobile Notary who actually has previous escrow closing experience and work at the title plant. I accompanied him on over 300 escrow signings with my clients over the years. Today, I send him on his own on any normal forward mortgages and still meet him at the client's home for Reverse Mortgage.
In any event, before you meet with Miles, I will review the closing statement & disclosure and loan documents with you. Miles has only one purpose there, which is to do the notarization of the DOT (Deed of Trustee) and other key pages, as well as signatures of other loan docs. He is not meeting with you to teach you about the loan, that is my job, which I will do throughly, prior to the signing session with Miles.
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The purpose of using the services of Mobile Notary is so you will not have to drive to the escrow office, and to do that during the limited hours of the escrow office's operation. This is very convenient if you have to work for a living, especially when there are two borrowers. Miles general goes to the client's home but on occasion meets people in coffee shop. One time him met me and my client at 12:45PM on New Years Eve in the emergency room at a hospital.
Miles does all types of notary work so feel feel to call him directly of any of it.
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| Russell C. Oberg, CLTC CLU ChFC Long Term Care Insurance Specialist |
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| Russ Oberg, Long Term Care Specialist |
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- Russell C. Oberg, CLTC CLU ChFC 206-948-8828
- 1321 Chelsea Walk NE
- Issaquah, WA 98029 russ@obergltc.com
Russell Oberg, has his CLTC, “A professional Certification in Long Term Care” and works exclusively as a Long Term Care Specialist.
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Russ Oberg, was one of my mentors years ago when I left the big insurance agency and went out on my own to operate as an independent broker. Russ was the manager of the brokerage company that appointed my new company FFC with a brokerage contract to market, Life Insurance policies. Looking back at the performance of those policies over the last 34 years they are likely the best policies ever offered to the public. That was the start of my successful career and the beginning of my association with Russ Oberg, now 34 years ago. Russ has been a standing member during this period in the same professional association, as I, the Society of FSP (Financial Service Professionals). Nothing has changed regarding quality, in the products and service Russ offers. He does it in the same independent brokerage of multiple insurance carrier style. Today the products of course are the "State of the Art" Long Term Care Policies, and the best in the industry, supported by knowledge and experience.
Russ sees the big picture in financial planning, but specializes in Long - Term Care (Extend Care) financial advice, plan design and policy recommendations.
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I could not introduce you to higher caliber professional than Russ Oberg, nor a nicer guy. He has years of experience in long term care planning. I can state with assurance there is no one with more knowledge on this subject than Russ Oberg.
Free feel to call Russ directly but please use my name as a referral.
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| Welcome to my Seattle "FHA HECM for Purchase" Real Estate Agent Team: Brian Kasen and Dick Fulton of Coldwell Banker Bain |
| Brian Kasen SRES CNE - Senior Real Estate Specialist |
| Brian Kasen SRES CNE
8520 120th Ave NE
Kirkland, WA 98033
Cell 206-714-0315
As indicated by the professional designations after his name, Brian, is a Senior Real Estate Specialist and Certified Negotiation Expert. He therefore both qualified and trained to may my client's goal happen.
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Brian Kasen, is one of the few real estate brokers that I have ever meet that has all five qualities I need to work with my clients. Professional Certification specifically with Seniors, strong knowledge of purchasing homes with a Reverse Mortgages; patience, he takes the time to understand the needs of the client and putting that client first is key to him. You can count on Brian, he has follow through and pays attention to detail. He has had the life experiences which helps to set the stage to successully achieve our mutal client's goals. Many of those clients are going through the process of "right-sizing" (his term), their homes and do not want a mortgage payment. This is where his knowledge and my product comes in, the "HECM for Purchase".
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I refer my clients to Brian because I know he is honest, straightforward and always wants the best for his clients. He is a lifetime resident in the Pacific Northwest and understands the region's culture and amenities which really helps clients who are relocating here. His office is in Kirkland, but lives in Lake Forest Park so I think of that, as a dual location strategy, kind of like how I operate. I feel with his professionalism and commitment to his client he will be your friend and advocate in Brian. Brian draws on the strongest supporting resources in the industry provided by Coldwell Banker Bain, which includes managing broker and mentor, Dick Fulton. I believe, with their combined experience, you will have the best real estate resource you can find. I have put Dick’s profile below. Happy house hunting!
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| Dick Fulton, Managing Broker |
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Dick Fulton
8520 120th Ave NE Suite 100
Kirkland, WA 98033
Cell: (206)-310-4011
Office: (425)-602-4150
dickfulton@cbbain.com
CBBain.com/Kirkland
Dick Fulton, comes from a great blood line! LOL. He is a walking encyclopedia of general real estate knowledge. I feel he has the most expertise of any one I have every met on the ever changing nuance of the Real Estate Purchase and Sale Agreement.
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Dick Fulton, is the Principle Managing Broker for the Kirkland, Coldwell Banker Bain office. I he is an excellent resource of the agents in his office including Brian Kasen, (who’s profile is above) both are committed to learning all I have to teach about my product, the “FHA HECM for Purchase.” This takes a decision to learn, as purchase financing of a new home using a “reverse mortgage” is not just something, you decide to do when you wake up one morning. It is counter intuitive and can offen take a reversal of thinking, but can open up major opportunity for both senior home purchasers and Real Estate Agents, alike.
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Dick’s knowledge has been gained over time as his only career has been in Real Estate. He put started using his skills to work as a managing broker back in 1984 and now has been doing that his 1987. He is quite dynamic, since 2008 has responsibilities as Executive Vice President and personally manages eight real estate office locations for CBBain. It took me a while to fully appreciate how perfect his Masters degree in Counseling really is for the Real Estate business. I always still think a real estate transaction is entering a situation where the buyers, sellers and realtors can all become controlled from outer space. That is of course nothing I can actually prove, but never found it a disadvantage to have one of the agents in the transaction working for my brother. Dick’s professionalism expands throughout his industry. He has been a long standing director for the NWMLS (Northwest Multiple Listing Service), spent six years as Chairman of the NWMLS Disciplinary Committee, and is a past Chairman and as part of all that has attended conferences across the county, from which he has gained a national perspective. He manages his agents to conduct themselves with the highest ethical standards. When I send a client to an agent through Dick, he personally tracks the outcome of the transaction and everything is done above board with transparency.
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