U S Loans Mortgage LLC is a licensed mortgage brokerage owned by Fred Glick.
Fred is an award winning broker and REALTOR(R).
Our mission is to provide clients with the best combination of rates, points (if any!) and
fees along with professional, courteous service and professional advice.
We are licensed in PA, MD, FL, CT, CO, CA, AZ, VA.
Residential Mortgage Advocate™ Commitment
I maintain these standards and have willingly signed this commitment to that effect.
I. I will not disclose any of your personal information to any third party, unless such is required in the
preparation of your loan request and only with your permission.
II. I will at all times make a concerted effort to perform in your best interests throughout the loan process.
III. I will give accurate rate quotes to you based upon the information you provide to me and will
provide you with the rate sheets for your inspection if you so ask to review them.
IV. Should the rate change due to circumstances outside my control, I will inform you immediately
of the change and provide the reason therefore, letting you know your options.
V. I will provide you with an accurate estimate of fees (Good Faith Estimate = GFE)
within 3 days of application.
VI. I will make every effort to not change my fees after the initial GFE is provided to you.
This does not include 3rd party fees which are beyond my control. Invoices for said 3rd party fees
will be provided upon your request for review. Should the fees change, I will provide
full disclosure as to the reason for the change.
VII. I will tell you at application of the items required of you and will listen
to your goals when helping you apply for your mortgage loan.
VIII. I will confer with you on my fee compensation - whether it be via an
origination fee or yield spread premium - or a combination thereof depending upon which you prefer.
. I also agree that I will charge no Junk fees or pad my fees (a variance of 20-25% is acceptable)
in any way. I will provide you with invoices or proof of all third party fees 3 days prior to closing.
X. If I request any upfront fees, I agree that all such deposits shall be used to pay for 3rd party fees
such as an appraisal or credit report and that any amounts remaining shall be credited to you at closing.
XI. Upon your direction, I will lock the rate of your loan.
XII. Should I display rates on my individual web site, I will indicate
whether the rate is wholesale or includes any adjustments (and the basis therefore).
XIII. I will, at no time, coerce or steer you into a mortgage product or property that
is not in your best interests based upon my experience and training as well as your wishes. I will abide by all Federal Protections afforded to you.
With my signature, I hereby agree to the foregoing.
Signed: Fred Glick
Residential Mortgage Advocate™ (RMA) for myself and U S Loans Mortgage LLC
About Fred Glick
Fred Glick is an award winning mortgage broker. Fred won the FREDDIE MAC(R) LP Service
Award in 2002. He is also a licensed real estate salesperson in PA and MA along with a
real estate broker in CA and an Associate Broker in CO.
Fred has been in the mortgage world since the early 80's and it diligent in making sure that all of his
clients are served in a professional manner. Fred has originated over $1,000,000,000 of loans in
all his years and has many repeat customers who are not only homeowners, but other
REALTORS(r), Financial Planners, Accountants, Attorneys and other professionals.
Fred is a proud member of the National Association of Mortgage Brokers, the UpFront
Mortgage Brokers Association, the National Association of REALTORS(r) (where he serves as a
Board Member in the Philadelphia local affiliate, (GPAR) and he has taught real estate finance
at Temple University and the Greater Philadelphia Board of REALTORS(R).
He also is approved by www.ethicscheck.com !