Rob Spring

After 20 years in retail as an Originator, Branch and Regional Manager, I joined an Independent Broker as an Originator only in November of 2023.

The Mortgage world has changed significantly over the past 20+ years and more recently government regulation, compressed margins and steeply rising overhead costs have put a lot of strain on Retail Mortgage Lending as a whole. That is why I made the decision to "dip my toe in the water" in the Broker Channel. And I'm so glad I did! I spent the first year getting the lay of the land and soaking up as much as I could. I took my time and learned which lenders to use in specific situations, learned how and why they price loans the way they do and built relationships with the ones I grew to trust. My production that first year was more than I'd expected and I correlate that production to flexibility. Flexibility in rate/costs as well as underwriting in out of the box type situations and lower margins helped too. It just doesn't cost as much per loan for me to operate and be profitable as it does for a lot of other banks, lenders and originators.

There has never been enough transparency with mortgage rates in my opinion and I think that makes it hard on the consumer to be confident in the decision they are making. Today I'm changing that. I've invested in technology and personnel to make it easier for the consumer to understand the mortgage process and more importantly what rates and fees they should be paying on their mortgage.

Please visit www.thespringmortgageteam.com/checkrates. You can compare rates and costs associated to each rate (without any personal information) just to make sure you're not overpaying.