Bringing Trust and Efficiency To Your Home Loan Process
For the past ten years, Casey and Mimi Montgomery have served Bay Area Houston’s residents by helping them achieve their dreams of homeownership.
In 2011, this brother/sister team joined forces with Envoy Mortgage to open the Bay Area Houston and Atlanta branches of this highly respected mortgage bank. “A large retail bank approached us about starting a local office here in Bay Area Houston, but we chose Envoy for several reasons,” says Casey. Envoy Mortgage, a nationwide mortgage bank with branches in 46 states, offers a paperless process for purchasing and refinancing home loans. They were recognized as Mortgage Technology’s “Top 25 Tech-Savvy Lenders of 2010” and won Mortgage Technology Magazine’s “Green Originator of the Year.” Envoy was recently named one of the “Top 30 Mortgage Companies in America” by Mortgage Executive magazine. “Envoy offers an easier loan process and consistently beats the larger retail banks in rates, fees, and time to close,” says Casey.
Having weathered the storms of a volatile real estate market, this brother/sister team has persevered. “The highly restrictive licensing process now in place for mortgage lenders is the best thing that ever happened to our industry,” says Casey. “These financial transactions are very complex, and we have stayed in business because we love what we do, and we know our products.”
“Over the years we have built new relationships and maintained old relationships by establishing trust with our clients and realtor partners,” Mimi, a former schoolteacher, adds. “The testimonials on our websites speak for themselves. Nothing is more important to us than our solid reputations and our clients’ satisfaction.” The Montgomery siblings come from a real estate family. “It’s what we know and love,” says Casey. “We grew up in the real estate business and are pleased to continue the family tradition.”
Envoy Mortgage’s “paperless” application and underwriting process enables borrowers to submit their documentation online. Most loan documents requiring signatures can be e-signed on their secure sites (www.EnvoyMortgageApp.com or www.MimiMontgomery.com). Located in historic League City, clients have access to an application and scanning station in the Envoy office, located at 1011 E. Main Street. “Our mortgage consultations are complimentary. This is a small part of ‘red carpet service’ we offer to all clients,” Mimi adds.
Envoy Mortgage/The Montgomery Group offers a wide range of products including FHA, Conventional, VA, and Jumbo loans. They specialize in niche products such as Fannie Mae HomePath, FHA 203(b) with escrow holdback, and various down payment assistance and bond programs. For refinance transactions, the group utilizes HARP 2.0, FHA Streamline, and Freddie Mac Refi Relief programs for borrowers who are “underwater” in their mortgages. “Mimi handles the purchase side of our business and I structure our refinance transactions,” Casey says. “Whether it is a Texas Cash Out or a Rate and Term Refinance, we will assess your current mortgage and determine what changes will be in your best financial interest.” Their websites list more products and provide online applications, borrower checklists, and mortgage calculators.
Now is the Time to Refinance
Low rates coupled with aggressive refinance initiatives create the perfect opportunity to reassess your current mortgage. “We typically structure low-fee refinances ensuring only nominal increases to your principal balance while significantly reducing interest charges, monthly payments, or loan duration, “ Casey states.
The Envoy motto, “When trusted advice counts,” sums up the service and experience you will find with Envoy Mortgage/The Montgomery Group. Contact Mimi by visiting MimiMontgomery.com (phone 832.860.2000) or Casey by logging on to EnvoyMortgageApp.com (phone 281.546.5626). Better yet, stop by their new Bay Area office located in historic League City at 1011 E. Main.
In closing, Mimi adds, “We live and work in this community. We are committed to providing outstanding service for our friends and neighbors.”