CURT KRAVITZ

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Curt Kravitz (NMLS # 284892) of Bay Equity Home Loans plays in the World Series of Poker every year. “It’s a big so- cial event held in Las Vegas the end of May through mid-July,” he says. He plays in several events each year, inclu-ding the Senior’s Event (50 and over!), where there are over 4400 competitors and $600,000 goes to the winner! He’s planning on playing the Main Event in 2016! Despite his acumen at the poker ta-ble, Curt doesn’t bring his poker face to his mortgage business. Through-out his 29 years in the mortgage business, he says, “I’ve been honest to a fault. I go through the numbers; this isn’t just about the commission. I don’t focus on how many deals I close but if the borrower has a great experience.” Curt consistently ranks among the Top 1% of Mortgage Originators in the United States and closes approximately $50 million in loans each year.

Curt adds, “I want people to have a good grasp of what we’ve discussed when they leave my office or we get

off the phone. I take my time going over options, educating first time home buyers on the tax benefits of home ownership.”

“After three decades, I’m still as passionate as ever. To be a top dog, you’ve

got to get answers right back to people and it has to be the right answer,” Curt notes. “Loan officers can’t afford to get it wrong. Where many fail is in not doing a good job with pre-approvals, taking verbal information for granted without checking. There are lots of different ways to mess up a loan.”

Curt says he spends much of his time up front so in the end, the experience is worry-free for clients and REAL-TORS®. As a result, he and his team have been able to retain about 20 to 25 percent of listing agents on deals as selling agents on another deal.

Bay Equity Home Loans is a direct lender, explains Curt, “offering every program known to mankind; FHA, VA, 3% down, conventional loans, construction and land loans, we do it all. We can also tap into programs from outside lenders, offering the best of both worlds.”

CURT KRAVITZ

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Bay Equity’s use of technology sets the company apart from competi-tors. The company has a proprietary program that helps make REAL-TOR® relationships thrive, driving business to agents and providing the ability to deliver cutting edge service quickly and promptly. Curt and his team introduce themselves to both agents on any transaction, providing the agents with what they can expect in terms of service. The processor provides updates twice a week.

“Some lenders have trouble clos-ing deals in less than 45 days. Con-ventional and government loans can all close within 30 days or less, as long as the homework is done on the front end, with pre-approved documentation. On the consumer side, we’ve got to do a very thorough and detailed job. I spend time with clients before they even get to the processors. We build a relationship first and talk about credit,” he says.

Curt has become an expert on credit

the past 15 years and gives seminars throughout the state on how to main-tain credit. “Most people think if they make payments on time, all is fine but so many things can be detrimental to credit. It’s important to spend time getting everything into shape instead of just giving the rate. Everything starts with credit. Even those with excellent credit enjoy a few good tips now and then. I’m invested in that conversation, which increases the trust factor and the relationship takes off. I’m fortunate to have built relationships with over 3500 satisfied clients over my nearly three decades in the biz.”

Curt was an accountant for 6 years pri- or to entering the lending business in 1986. He credits his ability to read

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For more information on Curt Kravitz and Bay Equity Home Loans, visit www.bayequityhomeloans.com/curt-kravitz

Contact Curt Kravitz at ckravitz@bayeq.com or (661) 705-2500.

and understand tax returns as an in- tegral part of his success. Why? Be-cause high profile and sophisticated borrowers with complex tax returns know that Curt can analyze their returns for maximum income poten-tial. Says Curt, “I know how to extract income from areas on the tax return that many are not aware. Corporate re-turns, Partnership Returns, and LLC’s are difficult to understand if you do not have an accounting background.” Because Curt is very skilled in this area, he is also able to help 1st time homebuyers understand the tax bene-fits of home ownership! “Because

most renters considering buying don’t understand how these tax benefits help them immediately, they often believe they don’t qualify. In reality, many of them are blown away by what they do qualify for after only a 5-10 minute conversation with me.”Curt believes that there is one word that is key in the lending industry…and in life in general. That word is COMMUNICATION. “When there is a problem, many lenders will somehow mysteriously be difficult to reach….they will disappear for a couple days. I make it a habit to contact both agents at the start of a transaction. That way, everyone is on the same page. And..if there is an issue that arises, or something that happens out of the blue, we don’t shy away from making those difficult calls…we make them.” Curt is a loving husband, proud father of 5 children, with one grandson (noted in pic) and one more on the way! Although very analytical, Curt finds time to also enjoy his other creative passion, writing. He has been writing poetry for people all over the world for over 20 years!