Steve Lowe, Originating Branch Manager for Frost Mortgage, has been in the lending and finance business for most of his adult life and he loves it. His passion is clearly evidenced by the success of his branch, which is a top producer in the Albuquerque Area with phenomenal closing ratios. He, along with his colleague Ammar, built the branch from the ground up. In collaborating with local agents, they’ve created a reputation for excellent customer service and friendly professionalism. Steve believes in a model that is “more service than sales,” providing consumers with everything they need to apply for a mortgage without pressure. Unlike traditional banks, Frost Mortgage tries to reduce stress for their borrowers. Steve and his team provide advice on improving and understanding credit, employ strategic methods to optimize the opportunity for loan approval, educate their clients along the way and communicate with total transparency.
Working with local agents makes the process smoother for everyone from the realty team and lenders to the borrowers. Thanks to their collaborative relationships, there are rarely surprises, and everyone is clear on the status of the transaction. Steve loves being part of such an incorporated, cooperative team where creative problem solving, and solution-based thinking are highly valued, and the client is everyone’s first priority. Steve enjoys his job more, knowing he has a group of people and a network of resources at his disposal for each transaction; finding the best way to get buyers into homes.
As a former wrestling coach and father of two sons, Steve is an experienced teacher, making sure each client understands the ins and outs of every type of mortgage program so they can make the best choice. At Frost, they’ll explore every option and provide their recommendation for the program best fit to each client’s situation, but they’ll never push someone in a direction in which they are uncomfortable. Once a decision is reached, the process moves relatively quickly. A major benefit to being a local company is utilizing local resources like underwriters and processing staff. Steve and his team always have access to the necessary people, a unique advantage over big banks. Day or night, their consumers know their loan is being handled by experts who are invested in the same community where their new home is being purchased.