"Clarkston State Bank will be the first place we check the next time we need to borrow money"
Tom and Tami Lowrie, owners of Lowrie’s Landscape on Dixie Hwy., decided they needed to refinance their Clarkston home. Tom finds it very easy to look up information on the Internet, so he naturally went to the mortgage “.coms” seeking competitive rates. “Initially, it was real easy to get information right up front,” explains Tom. “They had three or four different quotes and I thought, ‘This is easy!’”
After being approved off his credit report, Tom sent the “.com” a $400 deposit to lock in his rate and then spoke to John Smith, a Clarkston State Bank (CSB) mortgage originator. “I didn’t want to bad mouth anyone. I just wanted to inform Tom of what to expect and I really wanted him to ask himself if he knew WHO he was dealing with,” says Smith.
Tami said she knew the deal was a bit “shady” when she was running out the door with her son, answered the ringing phone and was told by staff from the “.com” that a notary was stopping by their home that evening to have them sign “the papers.”
Tami immediately called Tom who said, “What papers?? I haven’t seen any documents! Wait a second… we’re not doing this.”
“I couldn’t get answers from anyone out in California,” says Tom. “I left messages, sent e-mails… when it came right down to it, I had questions that I wanted answered and no one would answer them. We were talking about hundreds of thousands of dollars… I didn’t want to rush into signing papers.”
Tom then again spoke with CSB’s John Smith. “It was nice having somebody to explain all the paperwork and John agreed to deduct the $400 that I had paid the “.com” off the total package,” says Lowrie. “John understands the business… I didn’t feel like I needed my attorney to review any of the paperwork.”
“I’m so comfortable with Clarkston State Bank,” explains Tami. “I walked into the M-15 branch, John immediately stood up and said my name. Clarkston State Bank will be the first place we check the next time we need to borrow money.”
“They’re local AND competitive!” added Tom.