After graduating with a Bachelors of Business Administration in Finance from Southwest Texas State University (now Texas State), Gino Lutz spent 2 years with Frost Bank in Commercial Lending. He then spent a year with Wells Fargo Home Mortgage in Phoenix, AZ before being asked to run a local branch of MBI Mortgage in Laredo Texas. 4 years later with help from his sister, Angela Lutz they formed MBA Mortgage which has been in business since 2007, a very important period in mortgage business history. When the mortgage market crashed in late 2008, they were able to weather the storm. While other mortgage companies were folding and exiting the marketplace, they were able to not only stay in business but actually thrive. 95% of their business is from referrals which says, above all else, that people are happy with their services and products. MBA Mortgage is a full service Mortgage Broker/Banker with licenses for any type of publicly available mortgage. (FHA, VA, Conventional, Jumbo, USDA whether it be for Purchase or Refinance)
We have roots in South Texas and can honestly say “We’re from here.” We know the local markets we operate in and accommodate a wide range of clientele. Not every mortgage situation is the same, in fact they never are. With as much experience we have, we’ve probably seen it all. When choosing a mortgage company, you want to make sure they know what they are doing. Any mortgage company can issue you a pre-qualification but if they haven’t thoroughly checked your income/credit/assets, you may find yourself with an invalid pre-qualification which could end up wasting a lot of your time and money. For instance, let’s say you are buying a home and your mortgage company has issued you an Approval Letter and you begin house hunting. You spend several weekends looking at houses and finally find the right house for you. You put down $1000 of Earnest Money, spend money on home inspections and pay for an appraisal. You may well spend close to $2000 upfront before your mortgage loan ever gets to the underwriter. If your Loan officer hasn’t thoroughly Pre-Qualified you, your upfront investment could be in jeopardy. That’s why it is extremely important to ask questions and choose wisely when picking a mortgage company. When choosing MBA Mortgage you will have made a good, safe choice.
Not only will MBA Mortgage thoroughly do our due diligence upfront, but we will also make sure we match you with the right type of mortgage for your situation. Even further, we will provide you with the best interest rates the market has to offer and low closing costs. Most closing costs we do not have control over, but you can be sure that our originating fees will be some of the lowest in the marketplace.
Se habla Espanol !
Lo más importante que podemos ofrecer es una persona dedicada que sólo ayuda a clientes que prefieran el idioma en Espanol. Esto no sólo asegura que clientes obtengan informacion aclarada, pero se obtiene un tratamiento prioritario sobre nuestra llamada normal en los clientes . Nuestro objetivo es ayudar a que este proceso sea lo más suave posible , y clientes felices!!! Mi personal tiene más de 20 años de experiencia combinada en el negocio de prestamos!!