The Mortgage Advantage When it comes to deciding on a mortgage company for your home loan, not all are created equal. Which is why it is so important to really research who you want to work with throughout the home buying process. With CorTrust Mortgage, you can expect some pretty great perks and benefits. Here are just a few: Local Servicing Unlike most banks, CorTrust Mortgage does not sell off our traditional mortgage loans. They are serviced locally in Sioux Falls, SD. This allows you to work with a real person who cares, instead of an automated operator when questions arise. Plus, if Fannie Mae has special programs for refinancing or modifications, you work directly with Joleen Woods, your local mortgage lender. No Gimmicks Some banks and mortgage companies offer furniture gift cards and cash incentives with their home loans. But the cost of that “gift” may be hidden in the fees and interest you’ll be paying for the next 30-years. When you’re ready to buy a home, not a piece of furniture, CorTrust Mortgages come with honest advice and great rates every day - without the hidden fees and gimmicks. Programs for Varying Buyers Whatever your situation, count on CorTrust Mortgage to have a solution. We have several mortgage programs for varying buyers. For example, if you are a home buyer with financial woes, we have many programs at our disposal to help with down payment and closing cost assistance for first- and secondtime home buyers. If you are looking to start from scratch and build the home of your dreams, our convenient one-time close construction and permanent financing option is for you. We also offer HomeStyle® Renovation Mortgages, which provides borrowers the ability to purchase and renovate a home using a conventional first mortgage. You can also refinance a mortgage on an existing home to make renovations using a lower cost mortgage financing option instead of expensive credit cards. We Put Our Heart & Soul Into Every Home Project. FREE Inspections! Call Today! 605-857-1472 1600 Whiting Dr., Yankton, SD Trusted Professionals Perhaps the greatest CorTrust Mortgage advantage is working with our staff of seasoned professionals. Your local mortgage lender in Yankton and Vermillion, SD, is Joleen Woods. With over 15 years’ experience in mortgage lending and real estate, Joleen understands the complexities involved in the home buying process. You can count on her to deliver honest answers and provide sound recommendations. Plus, Joleen prides herself on delivering top notch customer service throughout your mortgage. v Editorial provided by CorTrust Bank •Insurance Preferred Contractor •Family Owned – Locally Operated •Licensed/Bonded/Insured “We’ve Got You Covered” ROOFS • GUTTERS • SIDING • AND MORE TODAY’S HOME - Spring 2020 • 3