Is Westwood
Capital Services a Broker? |
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Yes, Dennis Sexton is licensed
with the California Department of Real Estate license
number 01224593 |
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Is there and
advantage to using WCS (Broker) as opposed to a traditional
lender? |
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- WCS is not employed by any one company or contracted
to send your loan to any one company. WCS is your
advocate to obtain a loan that best fits your needs.
When meeting with you we will identify the lender
that offers the best pricing and terms that fit
your needs.
- Service – I meet at your place of business
and since I am a Notary I can meet at your place
to sign loan documents as well.
- I don’t get paid until you get your money.
WCS is a Banker not a Bank. We’re what Bankers
used to be: creative, looking for ways to do your
deal regardless of size, looking for solutions not
reasons to deny your request; unlike the Banks of
today. |
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Does it cost more
to borrow money through a broker? |
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NO, not with WCS. Typically all lenders
charge a loan fee. Those that don’t charge loan
fees are generally co-ops that have ownership stock
that must be purchased as part of the loan or slightly
higher rates to cover costs. Fees charged by WCS are
typical and competitive with the market. The fee structure
is the same as that of local banks and lending institutions
offering the same services.
The fees charged by WCS include both the lender fee
and Broker fee.
Typically the lender fee is paid when the loan is
submitted to the lender. WCS fee is collected at close
escrow.
Appraisal fees, title and escrow fees are the same
for most lenders. |
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Both Zions Ag Finance
and American Farm Mortgage are located out of state.
What do I do if I have a question or need partial release
or other loan servicing? |
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WCS services all loans funded through
Zions Ag Finance and American Farm Mortgage. If you
have any questions, problems or need any loan servicing
you contact WCS. |
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There are other banks
and lenders in the area that offer Farmer Mac loans.
Why use WCS? |
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Experience.
Dennis Sexton began originating Farmer Mac and Farmer
Mac type loans for Prudential Ag Investments in 1990. |