Agent

Get to know Sam!

Sam Batayneh has been a mortgage broker since 2004 after graduating from the University of Arizona with a Bachelor of Science in Regional Development. He is part of the Mortgage Black® Chairman’s Circle and holds position #113 of out the “Top 200 Mortgage Originators in America 2016” as well as a “Top 1% Mortgage Originator in America in 2014, 2015, & 2016”.  Because of his interest for economics and geography, he finds mortgage finance intriguing, so working in the mortgage industry was the perfect fit.

Working in this industry provides him with the opportunity to help meet the needs of his clients in order to achieve their goals. Sam specializes in Jumbo loans and prides himself on having one of the highest average loan amounts in the country. He is currently based in Los Angeles / Beverly Hills.

When Sam’s customers are looking for the best home loan, Sam will discuss what they’re looking to do, and from there, finds and presents options that he would find acceptable for himself. Together, Sam and his clients weigh the positives and negatives of what has been presented in order to make the best move according to what best serves his client’s needs.

Sam believes that there are no pros and cons for fixed rate mortgages versus an adjustable rate mortgage. Mortgages are like fingerprints. No two are alike. If his clients share that they are planning on keeping the home forever, he recommends a 15, 20, or 30 year fixed rate loans. However, if they assure him they will not be keeping the home for a specific amount of time that does not exceed the fixed rate period on an ARM loan, then he will make the recommendation to look at a 5, 7, or 10 year ARM because paying the premium for an extended amount of time on a fixed rate 30 year loan is not in their best interest.

Translating “mortgage life” to “real life” is the service that he provide to his clients. On most transactions, there is zero risk associated with them.  Yet banks treat loans like they are 100% risk. There are regulations in place because of the Great Recession. Sam makes sure the client understands that this is not personal and is the process that every mortgage applicant has to go through, regardless of credit history or existing financial relationships.

Sam’s goal is to put his clients in the most beneficial place for them financially. “It feels really good to take a look at someone’s complete financial picture and figure out a way, if I put myself in their shoes, how I would like to see things.”