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okay we're not camping we're talking about actual homes here it may be easy to get caught up with a lot of those too good to be true offers when it comes to financing or refinancing a home that's why it's always good to get referrals and read those reviews you could start with nearly oh five four thousand five star reviews hall financial has received from satisfied clients so david hall ceo of hall financial joins us this morning to share more good morning to you david good morning it's great to be with you guys it's great that you're here we know you you have a mission your founding mission is really client focused explain for those who haven't heard what that means well we when we started the company we just decided because you know we had over 20 years experience in the business sort of getting mentored on how to run a great business and the one thing that seemed to be missing a lot from how people felt when they went through the mortgage transaction was actually them and how they felt you know everybody wants to make people part of their process our focus at all financials all about the client and we're pretty extreme about it so what we say is basically if the client doesn't give us a five-star review then we have to have a meeting to figure out where we failed like good isn't good enough at hall financial and that's really the only thing that we focus on from the standpoint of results is each of our clients needs to give us a five-star review or else we gotta figure out what we're doing wrong so our goal every day is perfection with every client and that starts with communication that starts with speed and that starts to a real commitment and a passion to the client experience i don't think people should feel any differently when they go through our process to get a mortgage than they do when they go to disney to have a great time in other words like we gotta think through every detail so that from start to finish they feel like wow that was different and if you read some of our reviews that's what folks say and we're really proud of that i think uh i agree with you on the disney except for the wait time for the rides no wait times at all financial right everything's got to be done in 10 business days or less talk about that you have a very different mortgage experience right that customer service you just mentioned those quick closings how do you how do you pull that off well so the number one well i'd say the number one thing is that we're really uh fortunate that a lot of people with expertise want to join our team the second thing which is very important as well on a strategic level is we over staff our operations team by design so you know we made a commitment in our early days you know we can try and you know squeeze out as much profitability from the company as we can and you know maybe not have as many people as we need or philosophically we're going to have more people than we need so that everybody can have a great experience and maybe we're not going to make as much money every week or every month but we're going to have a sustained business for 25 years where people can really count on the commitment to speed and excellence because we're not short staffed we've got plenty of people to make sure that everybody has a great experience because like like in any business it's like what are the right amount of waiters to have in the restaurant right it's nice when you have your own personal waiter it's like wow what a great experience this is which is also very rare usually they're waiting on 12 tables and you feel like you're not getting you know the service that you need so at all financial over staffing our operations team by design has been a huge part of our success and our people and their commitment and passion towards what we always call the 10 business day guarantee that's something we're going to be rolling out in the future but it's we've been working on that internally because we have the majority of our loans now closing in 10 business days or less and also i think one big thing the appraisal process is something that stops people in their tracks when it comes to moving ahead with either selling their home or actually buying one so explain how you're able to do these loans really without an appraisal in some cases yeah so you know again our expertise along with our technology has allowed us to again have the majority of our loans uh not require an appraisal now the appraisal isn't the end of the world but when you just break down the mortgage process scheduling somebody to come to your house to walk through your house for five minutes and then we wait on them for the report you know those are just all the little things so there are certainly loans that still do require an appraisal but we've gotten to the point now where over 50 of the folks that come to us we don't need to do an appraisal speeds it up it's less intrusive it's less time that people have to spend sort of in the process so we're we're we're sort of um we're very focused on how do we get all of our loans not needing an appraisal as long as industry standard tells us we can do that right now we're over 50 and again focused on that as a process improvement so the client has a better process again everything we do at hall financial is about the client and their experience and david in line with that you're also able to help people connect with realtors as well right yeah um so what happens is that a lot of times people don't know where to start in terms of buying a house right a lot of first-time homebuyers people don't do this every day and we keep that in mind for simplicity's sake so what we do is a lot of realtors appreciate the service of hall financial we refer clients out to top-rated real estate agents in different areas you know the real estate market is so fragmented so somebody in this city or somebody in this county really knows it well we keep track of that stuff so we can refer our real estate agents to clients and because they oftentimes we get a call where somebody will say you know i don't even know the first step well the first thing we have to do is look at your credit we get you approved we make sure that it fits in your budget then we go towards the realtor piece and if you already have one great if you need a recommendation on a couple folks we're happy to help with that so our whole again the client experience it's not just our part we have to cover it from a to z because the whole transaction when you go through a mortgage is really really stressful and we try and take all that stress out to the degree that we can absolutely all right with that said obviously the experts here hall financial to learn more call hallfirst.com or give a call 616-900-9898 thanks for your time this morning happy national fudge day