“That
was the key to why I opened a new mortgage company when it was clear the whole
industry was over the cliff and going down,” he said.
With
nine employees, Homestead is about staying small and offering customer service
so their clients will return and encourage their family and friends to do
business with them. This is their biggest segment of customers, return
business.
“We
want to be who we are and do a better job than anyone else around. Everyone
here takes a lot of pride about knowing mortgage products,” he said. “We’re not
doing anything differently. We make sure we know all the ins and outs and
nuances. We’re able to do what others aren’t able,” said Skvorak.
Agents
at Homestead don’t see closing on homes as a “transaction.” This is one of the
biggest purchases a person will make. “Some people refer to this as a sales
business,” said Skvorak. “I never considered what I do as sales – it’s taking
care of people.”
Everyone
works as a team. They believe that it’s everyone’s responsibility to uphold
everyone else’s reputation, according to Skvorak. No one wants to let the team
down.
Unlike
some business, Homestead Mortgage works with all brands of loans, conventional,
Federal Housing Authority, Rural Development and Veteran’s Affair loans. The
guidelines change a lot, but some customers might get a better deal on their
loan using a different program and Homestead knows which would be better for a
particular client.
“We
are all about ‘keep it local.’ It makes a difference whether they get their
mortgage local, rather than in Iowa,” said Skvorak.
“There’s
something unique about having a motto that’s real. What people want is what we
want to deliver,” he added.
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