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In Conversation With Stephen Campbell

Ranjani Saigal
09/23/2014

Stephen Campbell is an award winning, top producing loan officer that joined Mortgage Master Inc. in January of 2011. Stephen brings to Mortgage Master over 20 years of experience in financial services, most of which has been as a loan officer. Prior to the mortgage industry, Stephen was a licensed and registered series 3 commodities broker and specialized in trading bonds and other financial instruments. Stephen is nationally recognized by many trade publications for his 2012 production which has been independently verified against hundreds of thousands of loan originators nationwide. Stephen is a consistent top producer and has established himself as a specialist in creating beneficial borrower alternatives through diversified product offerings.

Mortgage Master congratulates Stephen for his ranking as a Scotsman Guide 2012 Top Originator. Stephen is ranked #57 nationally in Top Dollar Volume. He had a total dollar volume of $149,482,793 and 406 closed loans. Scotsman Guide also recognized Stephen for his year- to-year growth, ranking #3 nationally and for being the # 1 top producing loan officer in entire state of Connecticut.

In 2012 and 2013 Stephen has been Nationally Recognized by multiple trade magazines for my individual loan production.   Stephen is ranked # 3 in America for Top-volume- gain  competing against over 300,000 loan originators nationwide.  The main  reason for his recent success is that he works on very low margins, and offer mortgage loans structured to have  zero closing costs what-so-ever.

What motivated you to seek a career in this field?   


For over 20 years I have been advising people about their finances. With a new home being the single largest investment someone will typically make in their life, it had seemed like a natural fit to make this my specialty. It also gives me great pleasure when someone is handed the keys to their first home, and that I was a part of making this happen. Especially when it was a tricky situation that wouldn’t have worked without my expertise. It is a very rewarding career in that sense.  You wake up every morning  knowing that you are helping people and making a difference  in their lives.  

What does the housing market look at the present time? 

 The market is very strong right now for new home purchases, especially in the New England area. With the many types of  Down-payment assistance programs available, combined with record low rates, this  has helped bring many new home buyers to the market. I believe many people were sitting on the side-lines waiting  for the perfect time to buy. Someone who sits down and actually looks at the numbers and compares renting versus buying in this market, is compelled to make a move. Especially when they compare the rent payment to what they could get if they bought a home and then also account for the tax refund benefits when  writing-off the mortgage interest.  It’s basically a no-brainer in many situations.  

When does it make sense to buy rather than rent?  

Unlike renting, buying a residence is an investment. Every time you pay your mortgage, you are increasing your equity in your home and your own financial wealth, versus paying rent, which is only increasing your landlord’s financial wealth.   Moreover rent payments in many US markets are increasing each year, but the payment on a 30 year fixed rate mortgage doesn’t increase.  It’s also good to remember that  the potential upside of a rising market and how this can affect your total net-worth.  For example. A borrower  purchasing a $ 100,000 home and putting down 20% or $ 20,000  would actually enjoy a 22% return on their investment if the home grow just 4.4 %.   

One of the main things keeping renters from being owners is that they haven't done the research or reached out to learn more about how they may be able to finance a home.

What differentiates mortgage master from other companies?

That’s Easy, Mortgage Master has the lowest rates I have ever seen at any lender in my entire career. This combined with efficient underwriting and flexible programs, give me the tools that I need to help people achieve the American dream.   

What is your personal philosophy to working with clients?  

Be honest to a fault even if it hurts my sale.      

Are there special things that people who do not have a green card should be aware of while purchasing a home? 

Yes, it is not required for someone to have a green card to obtain financing on a new home  purchase, as long as they are here in the US legally, and have a Visa of some sort, they should be fine. Anyone with a unique situation is invited to call and I can advise them on the steps they need to take. I can be reached at 800-965-3564.       

Thank you for your time.

Thank you. 



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