About Chris Henwood – HELOC Loan Specialist

People who hear that a Goldman Sachs VP became a mortgage loan officer usually ask: why? The answer is the most important thing you’ll read about choosing a mortgage advisor this year.

Here is something most loan officers will not tell you.

There is an invisible cost to working with the wrong advisor on your mortgage.

It does not appear on your closing disclosure. It is not visible in your monthly payment. But over the life of a 30-year loan, it can represent tens of thousands of dollars in equity you never built, interest you didn’t have to pay, and options you never knew existed.

You never find out because the outcome looks fine. You close. You move in. The loan works.

You just don’t know that a different loan — with a different advisor — would have worked better.

The borrower came to Christopher Henwood with six non-conventional income sources. He had already been turned away from several other lenders.

Four other loan officers had looked at the file. None of them saw a path. The income didn’t fit the templates. The automated systems said no.

Henwood saw a puzzle and a challenge.

“It took us longer than normal and we needed to take a more holistic approach,”

he recalls. “But we were able to get him approved and closed.” It took nearly every department at Northpointe Bank — including the management committee. It took the kind of methodical, relationship-driven navigation through a complex approval process that requires both deep financial knowledge and the internal credibility to make it happen.