Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, we can help you find the right loan program at the lowest rate no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name that is trusted throughout the community. Give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.

Essential Tenets of Success

The following principles represent the commitment we make to each client we are given an opportunity to serve. These principles have been established, affirmed, and are lived by each member of my very talented and very dedicated team.

We have decided that without exception we will…

Ask questions and listen to our clients in order to fully understand their needs

Create mortgage solutions that complement our client’s overall financial strategy, and allow them to most effectively accomplish their short and long term financial goals

Be sensitive to the fears that many homebuyers have about obtaining a mortgage loan and earn their confidence as a trusted advisor

Respect our client’s time and minimize the amount of effort required of them by applying our knowledge, experience, and resourcefulness

Use state-of-the-art technology to complement our customer service, making adjustments when necessary to avoid overwhelming our clients who are less technically proficient

Communicate regularly and proactively with our clients to keep them informed of the status of their loan and to reduce the stress that is associated with uncertainty

Ensure smooth, on time closings with anticipated costs and terms

Provide our clients the luxury of home loans in the future with little effort on their part, by means of an annual Mortgage Review.

Measure our success by our client’s willingness to confidently recommend us

Take full responsibility for our actions and be honest at all times

Seek to improve the quality of service we provide by encouraging each client to critically evaluate our performance

Senior Mortgage Consultant
Kim Townsend

Experience, integrity and service are what Kim Townsend stands for.

With 23 years of experience as a mortgage consultant, including roles in management and underwriting, Kim has the skills and knowledge to help his clients “navigate” through the turbulence of the home buying process.

Experience

With past experience as an underwriter, Kim’s experience is invaluable. This experience helps him understand lending guidelines and to know what the underwriters are looking for. This enables him to help more clients hear “Yes, you are approved”. Kim is also a consistent top producer and the #1 mortgage consultant in M&T’s 5 state Western Division. With over 2,000 closed loans for more than $200 million in volume over his 23-year career, you can be assured the Kim knows how to create a “flight plan” and solve a homebuyer’s mortgage needs.

Integrity

Integrity means several things including doing what you say you are going to do when you will do it. Often one home purchase transaction is dependant on another. Missing closing dates or changing loan fees is not an option for Kim. Many people play a role in a mortgage transaction: real estate agents, appraisers, title and insurance agents, and underwriters. Kim’s management experience helps him coordinate the whole “team” to deliver on expectations and make all the “connecting flights”.

Service

Going the extra mile is standard for Kim. He is committed to providing the best service available and understands the value of each “raving fan” homebuyer. His unique consulting approach ensures that homebuyers have the right mortgage solution for their financial goals. Kim pays attention to deadlines and details and provides timely information like settlement statements 24 hours in advance of closings. You will always know the status of the loan and what the next steps are. His commitment to putting the interests of his clients at the forefront of every transaction has earned him a loyal base of customer support as well as a strong foundation of referral business within the Real Estate and Financial Services communities. He even provides forecasting information on the direction of rates to ensure each loan receives the best rate possible. Only by delivering this exceptional service can he “land” your long-term trust.

In addition to in-house underwriting, state-of-the-art technology and cutting-edge customer service, Kim and his team are always there to answer questions and make sure every detail is covered from the first phone call through closing and in the future.

With the Kim Townsend Team, you will discover an atmosphere of enthusiasm, a spirit of dedication and a great desire to build quality relationships. Experience the difference.