Scotsman Guide > Rankings > Top Originators 2009 > Norman Calvo #1 Top Closing Ratio

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Top Originators 2009: #1 Top Closing Ratio

 

Norman Calvo, Universal Mortgage Inc.
#1: 2009 Top Closing Ratio
Volume Rank: #32
Closed-Loans Rank: #107


One of Norman Calvo’s non-negotiable goals is maintaining a perfect closing ratio — which he did in 2009. Once he and his team take an application, they want to ensure it will result in a satisfied customer, he says.

It helps to have a high-quality customer base: The average credit score in Calvo's Brooklyn, N.Y., market coming to him exceeds 720, he says.

“Our client demographic is prime A+," Calvo says. "It’s rare that I take a prequalification that doesn’t result in approval and subsequent closing.”

Calvo says his guideline knowledge and “underwriter’s eye” form the basis for his firm's initial screening process. From there, he and his loan officers ensure customers do their part to guarantee a trouble-free transaction.

“From day one, they know what’s expected," he says. "They are comforted knowing that we’re on top of everything.”


— David Robinson


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