About Excellence 'N' Mortgages

A brief history:

Thomas D. Ruthven has been active in mortgage banking since 1962. With 37 years of experience, Tom knows what investors want, what their 'hot buttons' are and how to get a loan approved and closed.  Excellence'n'Mortgages is the fourth mortgage banking business Tom has started, having sold each company to various banking institutions.

Tom most recently was the CEO of Power Funding Group. Other positions held include VP of Goldome Realty Credit Corporation and Marine Midland Realty Credit Corp., Senior VP and Mortgage Officer of the Troy Savings Bank, as well as, President of Empire State Thrift Service Corp., TDR & Assoc., Inc., CNY Securities and BSB Home Funding Corp.  

His philosophy is simple... fit the mortgage to both the needs and goals of the business. His dedication to clients, professional approach and attention to detail contribute greatly to his success in customer satisfaction.

Why Use A Mortgage Broker?

Hesitating to use a Mortgage Broker?  Because: interest rate will be higher; won't get the best mortgage; cost too much; takes too long; too much paper work;  not dealing with lender directly; sharing personal information with a stranger; lender our-of-town, not local?  Wrong!!

Today's sophisticated commercial mortgage lender sells loans on Wall Street.  Loans must be packaged and documented to meet their stringent underwriting requirements.  Experience and knowledge on proper presentation of the loan is essential.  In short, the package must be sold, not presented!

First impression of a loan package is critical.  It must contain a simple, yet precise, executive summary of the loan request supported by all necessary documentation.

We represent dozens of investors, so we have a wide variety of products.  We search the country for best rates, terms and a mortgage that fits your needs.

Our main responsibility is to match your needs with our investors' mortgage.  We know how to present your application in its most favorable format.  We know which investor will buy your loan.

Mortgage Brokers pay for themselves-better rates and terms and selection of the 'right mortgage'.  In other words, we give you results, not excuses.  We get the job done and in less time.  Bottom line-we get you the money you want, when you want it!