St. Cloud Financial
~ Core Values ~
At St. Cloud Financial we feel it is crucial to have a clear understanding of what conduct we expect of ourselves, all of our staff, and affiliates. We understand that we grow through our reputation and we know what is required to EARN a great reputation through our years as a Wholesale Lender with integrity as our #1 goal - and we are excited to bring those same values directly to you through our Retail Lending Division. We are excited to prove to YOU that our reputation is well deserved!
- Treat You As We Would Want To Be Treated :
- The Golden Rule - This might sound simplistic but it is the underlining goal and the base for all of our Values - the simplest test is "how would we want someone else to treat us, our parents, kids, or spouses" - We find it to be the most effective moral measuring stick.
- Financing Terms to Suit Your Needs
- We work hard to make sure that we get you the best terms to meet your circumstances and needs. One size fits all might be a great idea for hats but it has no place in Commercial Real Estate Lending - Every Property and Every Borrower have unique attributes and needs that must be addressed - and that is what we are here for - to address your needs.
- Value Your Time
- Time is money and unnecessary delays to move forward with your plans due to Things that are easily avoidable are unacceptable. We maximize your turn times by identifying any potential problems up front, this way the issues are dealt with before they ever in fact become problems.
Never will one of our staff put you on Hold to answer another call - with St Cloud You will always come first.
- Value and Protect Your Information
- We take all possible precautions with your private information and NEVER share any information about you or your transaction that is not required in the course of processing your loan request. Again, WE Never Share, sell, trade, or transfer any of your information except where is required to process your Loan. And once we receive your data our thorough internal procedures and safeguards will ensure that it is safe.
- Value your Funds
- Not only do we offer you the best interest rates and terms but we also work hard to keep the expenses related with your loan request as low as possible, we use bid systems to ensure that the best third party reports are received at the most reasonable prices; We do not charge large upfront fees (usually none at all); we do not require "good faith deposits;" and we keep our closing costs as low as possible, much lower than our competitors - this equates directly to savings for you.
We wouldn't want to be treated any other way so we will make sure that you are not