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Mike McNamara, Vice President of Mortgage Lending

Proper Rate

At his first job after college, Mike McNamara evaluated the credit worthiness of car loan applicants at an automobile finance company. When a colleague suggested he join him at his new job in the mortgage business, he gave it a try. Twenty-five years later, he still works in lending.

McNamara, vice president of Mortgage Lending with Proper Rate, helps borrowers understand the lending process and their mortgage options. “They like that I don’t push or sell them anything,” he says. “I help them understand the big picture and how their mortgage payment directly relates to their ability to save for retirement.”

Ranked a Top 1% Loan Originator by Mortgage Executive Magazine, he is also a 5-Star Professional and a member of Guaranteed Rate/Proper Rate’s President’s Club. “The one skill that has been instrumental to my success is my ability to listen carefully and therefore address and solve customer’s concerns/problems genuinely,” he says. “I know how important and emotionally settling it is for a customer to know how their potential homeownership goals are related to their overall financial picture.”

McNamara’s style is educational. He listens to clients, identifies their struggles and challenges, and creates a roadmap for helping them reach their homeownership goals. He never sends a borrower on their way with a preapproval that is too much money for them. Instead, he helps them understand all of their options, to make a smart choice that gives them financial confidence instead of buyer’s remorse.

Most of his clients come from realtor partners, business leaders and past customers. “When they see how much I care, it raises their level of trust, they have a better experience and eventually tell more of their friends about me and the person who referred me,” he says. “It’s a win for everyone.”

To give back, he supports three women’s shelters that assist victims of domestic violence.

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