You donÃ¢â‚¬â„¢t get to be a successful man in any business by giving bad service, dispensing bad advice, or having a bad attitude. Some people take that very much to heart. Stephen Perkey of Security National Mortgage Company was weaned on those principles, which may be the reason he has survived for forty years in a business that has taken more kicks than a rented mule. Stephen explains it this way: Ã¢â‚¬Å“At the end of the day, people do business with someone they like and trust--no one wants to be Ã¢â‚¬ËœsoldÃ¢â‚¬â„¢ stuff.Ã¢â‚¬Â StephenÃ¢â‚¬â„¢s Ã¢â‚¬Å“no salesÃ¢â‚¬Â approach to helping customers find the right financial product is another reason he has such a robust clientele. Ã¢â‚¬Å“I approach business from a consultative perspective,Ã¢â‚¬Â he says. Ã¢â‚¬Å“And IÃ¢â‚¬â„¢m fortunate to have access to so many excellent loan products.Ã¢â‚¬Â Loan products such as no-cost refinancing where you may use the remaining term of your loan and your current loan balance to secure a lower rate without having to roll the loan back to when you first purchased your home. And thereÃ¢â‚¬â„¢s no need to worry about closing costs. The cost of the loan is converted into a percentage rate and then rolled into the interest, which means no money out-of-pocket. And this isnÃ¢â‚¬â„¢t one of those shady LIBOR loans, but a solid 10 to 30 year amortization, fixed rate product that smart-money people recognize as a great deal. Ã¢â‚¬Å“WeÃ¢â‚¬â„¢ve bottomed out in terms of home values,Ã¢â‚¬Â Stephen says. Ã¢â‚¬Å“Now is the time to take advantage of these kinds of opportunities. I doubt weÃ¢â‚¬â„¢ll see interest rates this low again.Ã¢â‚¬Â So stop by and talk to Stephen about no-cost refinancing. HeÃ¢â‚¬â„¢s ready to help you find your best option at your best price. You can also talk to him about cooking (heÃ¢â‚¬â„¢s a bonafide foodie), wine (heÃ¢â‚¬â„¢s got a respectable collection) and golf--you know, all lifeÃ¢â‚¬â„¢s finer pleasures.

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