614-721-0228
nlinamen@smprate.com
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Nick Linamen

Midwest Regional Manager

NMLS ID 309124

614-721-0228 nlinamen@smprate.com

Nick Linamen
Nick Linamen

Nick Linamen

Midwest Regional Manager

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About Nick

Nick is a 37-year veteran of the mortgage industry beginning his career in 1982 as a loan officer.  From the very beginning he had an insatiable desire to learn, grow and get better in the mortgage industry.  He became obsessed on becoming THE very best and most knowledgeable loan offer he could be in the markets he serves. He has earned 4 specialized designations: Certified Mortgage Planning Specialist® , Certified Mortgage Planner®, Certified Liability Advisor®, and Certified Divorce Lending Specialist®.

How do you choose a loan officer (LO) to handle your mortgage loan? There are 1000’s of LO’s out there in the market.  What separates one loan officer from all the others?  Why would a Realtor, a Builder, a Financial Planner, a CPA or a Stockbroker refer people to a specific loan officer? What makes one loan officer stand out from the rest?  First, make sure you are working with an experienced, professional loan officer that has several years of training and experience. Like every other industry the mortgage industry has Excellent LO’s, Average LO’s, Mediocre LO’s and Poor LO’s.  Which one are you talking to? The largest financial transaction of your life is far too important to place into the hands of a novice or someone who is not capable of advising you properly and troubleshooting any issues that may arise along the way.  How can you tell if he’s the right lender for you?  Here are 3 things that may help: 

1. He is a Certified Mortgage Planning Specialist®.  There are over 1,500,000 loan officers in the United States and less than 8,000 of those loan officers (or 1/2 of 1%) have the education, specialty training and knowledge to earn the designation of CMPS®.

2. He has over 37 years of experience in both up and down-market cycles as a mortgage lender and can advise you of what’s happening in the markets.   He has a unique and specialized understanding of the financial markets and what causes mortgage interest rates to move.  He monitors the markets throughout the day while mortgage backed securities are trading and is keenly aware of the upcoming financial news and events that will move mortgage interest rates up and down. This knowledge can save you money on knowing when to lock or float your interest rate.

 

3. He has successfully closed over 7,500 mortgage loans in his career. Whatever your situation, it will not be new to him. He has probably solved it before.  It would be his upmost pleasure to serve you and close your mortgage loan making sure you are in the right product, at the right rate at the right time at the right cost to meet your financing needs.

Nick spent a lot of time and money become the most knowledgeable mortgage lender he could be for 2 main reasons:

  1. So he could offer expert advice to his clients who are looking for the very best way to purchase or refinance a home. He prepares a unique “Total Cost Analysis” with charts and graphs that compares up to four loan products side by side so clients can see the exact differences between the 4 loans. It also helps make the decision of which product is best for their short and long term financial future. Nick feels that a mortgage loan ought to be synchronized with a client’s financial plan to be the most advantages to the client. If used properly, a mortgage should fit right alongside of a client’s financial plan to help build long term wealth. 

 

  1. Nick has been in management for 35 of his 37 years in the mortgage business.  Nick brings all his training and experience to his team of loan officers to help them grow their business successfully. He teaches everything he’s learned over the years so that his loan officers do not have to spend the same money to gain the same expertise.

Nick helps borrowers gain an unfair competitive advantage using expertise and technology designed for his clients. What drives his focus is educating, differentiation, transparency, clarity, conviction, epiphany and most of all...TRUST.

Nick and his wife Sharon have been married 41 years and live in Hilliard, Ohio.  They have 5 married daughters, 5 son-n-laws, 16 grandchildren and one more on the way!

"While I have had the joy and privilege of being responsible for over $24 Billion in mortgage financing over the last 37+ years, my upmost pleasure would be to help you with your next mortgage need with my fullest attention to detail"

 

 

Contact Nick

Nick Linamen

Midwest Regional Manager
NMLS# 309124

614-975-4081

614-721-0228

nlinamen@smprate.com

1200 S. Sheldon Rd, Suite 150
Plymouth, Michigan 48170

State Licenses: OH

 

 

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Communication

Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.

 

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