A Much-Needed Leg Up

bank officer describes the loan interest to the customer with home purchase contracts or on office loans and interest rates

Meet the company helping its clients reach that first rung on the property ladder. Having found its start as a business in 1997, Southpoint Financial Services has since surpassed its second decade and reached a running total of 16 states in which it currently operates in the process. With a true dedication to client satisfaction, a hard-working team, and an understanding of the importance of long term relationships between lenders and borrowers that so many of its competitors seem to forget, it has propelled itself into the spotlight of the mortgage lending industry, earning it the title of the ‘Best Full-Service Mortgage Lender’ in 2022 for Georgia.

Being a full-service mortgage lender, Southpoint Financial Services works directly with its clients in order to provide the best solutions for all their financing needs when it comes to mortgage programs. Fundamentally, it recognises how difficult mortgages can be to try and get, and wishes to trim the fat from the process, helping its clients to achieve their dreams of home ownership without nearly as much hassle. Its wholesale division is a lender to many community banks and credit unions, as well as mortgage brokers, allowing it to become a cornerstone lender for many and to gain a resulting insight into every process therein with outstanding effectiveness.

Licensed in 16 states and counting, its expansion throughout the East Coast has been rapid, impressive, and consistent. Moreover, it shows no signs of stopping; with the reputation it has gained from being able to help clients with an impressive track record for success in securing that perfect property, its emphasis on financial freedom and wealth through home ownership has made it a front-runner in its industry. Many of its buyers are first-time-buyers – a good proportion of whom are also the first in their family to purchase their own home – and Southpoint Financial Services has built an unblemished rapport with this segment of the market due to its focus on education and information.

Its borrowers can expect a full rundown of the process from top to bottom. Firstly, it goes into the importance of buying a home in the first place, and the importance of securing one that’s within their financial reach so that should an emergency arise, they aren’t maxed out financially and can remain on top of things. In this way, it pertinently shows how it has no interest in anything other than total and complete transparency when it comes to working with its customers, ensuring that they fully understand the financial commitment they’re making and the mortgage they’re signing up for.

This includes going over the responsibilities they have as a homeowner, the effects to their credit score if there is a delinquent mortgage payment, and the extra steps and time it spends with its borrowers to answer any questions, comments, or concerns they might have along the way. Nominally, it gets to know each person it works with on a personal level so that each person involves in a transaction with Southpoint Financial Services comes away feeling supported, confident, and satisfied with the investment they’re making, viewing every mortgage as so much more than just a transaction. Indeed, every mortgage is handing over the keys to someone’s dream home, and that is an incredibly sacred bond of trust.

It, in essence, views it as having succeeded when its borrowers can easily afford the amount of loan it puts them in. Serving clients from all different walks of life, it takes pride in helping the first-time buyers with no prior experience and no familial help in the process of home purchase, showing them the truly comprehensive understanding of both the housing market and the mortgage and lending industries in easy-to-understand chunks. In this manner, it promises that it will never deliver its information by using jargon or unnecessarily complex terminology, instead rooting for its borrowers to succeed in their home ownership journey and start their journey up the property ladder, with Southpoint Financial Services having been the leg up that gets them on the first rung.

Indeed, often, its clients will come back to it when they’re ready to move up that additional rung or two, having already built up that trust with it and its experts. They can rest assured knowing that they’ve made the best decision for their families, and that when they come back to refinance their mortgage or buy another property, they will be rewarded for having worked with Southpoint Financial Services to do the legwork. This trust makes the whole process that much easier, and the longevity of the relationship makes for a true empathic connection that its team and its customers share. Southpoint Financial Services thanks each one of them for granting it this trust, and repays it by exceeding expectations at every turn; its customers also help it hugely in its growth with the word-of-mouth-referrals it gives and the reviews it leaves, helping it to reach a wider market through its own merit alone.

After all, development and expansion made possible by the customer is the most valuable, and by far the most sustainable, something that has allowed it to continually add to the number of states it operates within. This sets its business model apart from its competitors, as is needs to do very little additional marketing. Moreover, its concentration on valuing the client over the transaction has allowed it to truly pull ahead of the pack in its industry despite the healthy amount of competition that exists; the Southpoint Financial Services way is considering the client’s holistic future, not just the present transaction. The employees that make all this possible are the backbone of Southpoint Financial Services.

With each of them being empathic, intelligent, and patient, they truly care about the client and the business, operating with a can-do attitude that is unbowed in the face of challenge. Critically, when interacting with a client, the Southpoint Financial Services team understands the importance of the customer experience, always working hard to create added value for a client in everything from how they interact to the processes they implement. Employees within the business are supported, appreciated, and listened to, creating an internal culture of respect and diligence that clients directly benefit from. Looking forward to much more expansion in the coming years, taking its clients with it into the future of mortgage lending, it promises that clients and competitors alike should ‘watch this space’.

For business enquiries, contact Mindy Rothenberger from Southpoint Financial Services on their website – spfs.com