Page 1 of 1

ARE Mortgage’s Unique Value Proposition for Referral Partners

Joe Wiggins

Published 5 months ago


This is our webpage where we outline our Unique Value Propositions (UVPs) for our Referral Partners. At ARE Mortgage, the A stands for great Advice, the R stands for a great Rate, and the E stands for a great Experience. With over 30 years in the business, our Founder, Joe Wiggins recognized that many Lenders offer maybe one or two of the three but RARELY have all three. We provide all three - it's hard coded in our name, and we hope you spend a few minutes checking out our UVP page.

We have been doing loans for a long time and are not naive enough to think that we can tell you what you need to be a success in Real Estate. But rather, we have a very special set of skills and invest heavily in some tools that may provide value to You, Your Business, and most importantly, the lifeblood of your Business - your most valued Clients.

On this page we outline the following UVP's for our Partners:

1. Service Level Agreement
2. Winning Offer Package 2.0
3. Total Cost Analysis for Clients
4. Why Brokers are Better
5. Marketing - pre, during, and post closing, all co-branded (we refer back on average of 18 listings per year to original referring agent)
This includes full access to ListReports and Homebot, so that not only are you creating new business and leads but you're also able to nurture your own database.

Need a copy?

Download PDF

Recent Reviews

"Joe and his team are absolutely incredible. This was my first refinance and Joe made it easy and stress free. Joe was informative, accommodating and extremely thorough. To start the whole process he created a presentation that broke down everything and then explained exactly what I was looking at. He insured that I was informed throughout the process and knew exactly what was going on at any given time. He was also easily accessible to ask any questions that popped up and if he wasn't available at that time he was quick to get back to me. I absolutely recommend Joe and will be sending all of my family and friends to him!"
– Stevenlienx11c .


"We can't say enough positive things about Joe and his team. They worked to close our sale in what felt like record time. The school year had started for us and the new owners were expecting a baby and his whole team worked miracles really to get us out of the old house and into the new house in just one month. Amazing! Thanks, Joe!"
– Jody Orrison .


"Joe Wiggins is very personable and professional. I can't say enough regarding Joe's commnication with me throughout the loan process. Most importantly, Joe put me in the RIGHT loan. I was approved by a different lender who was trying to put me in a bad loan. Joe broke down all three options into a easy to read spreadsheet, and clearly explained each option to me. Gave me time to understand my options, answered everyone of my questions and the rest is history. Joe Wiggins and his team treated me like family and I truly appreciate their kindness. He's the best!!"


"During what can be a stressful time of home buying, Joe Wiggins was always available to answer any questions and to take some on the stress away. Even after the sale he was there to help both my banking needs."


"Joe got my daughter's and I into our forever home and we will be forever grateful!!! This was the first time buying a home on my own and he was there for me every step of the way. Always got back to me right away with any questions I had and still to this day, a year since I have bought my home, I know that he is still there for me! I highly recommend Joe to ANYONE in need of his services."


"I would definitely recommend Joe Wiggins to my family members and friends. He not only goes out of his way to help you in what ever he can in business hours but trys his best to help you in any way possible on weekends and while he's on vacation. You definitely want someone like Joe on your team!"


"Our experience with Mr. Wiggins and his staff was excellent. No complications along the way, no unexpected surprises. The entire experience was stress free."


"He is always professional and detailed on his information Joe keeped us up to date on the process of our loan. It closed n time and we would highly recommend him"


"Joe was very helpful with the entire process of buying a house using VA. He was always there, either via phone, text, or email to answer any questions. Highly recommended!!"


"Joe and his team were great. He's my first call, and has been, for years. He's supported my primary and investment properties. The last refi should hold me for a while never know what the market will bring."


Check out the Winning Offer Package 2.0 - this isn't your Grandma's Prequal

Sample of the Total Cost Analysis we record for every Client you refer

Brokers Are Better - find out why here

Marketing Support - check out what we offer pre, during, and post closing

National Rate Averages

Conf. 30Y Fixed


FHA 30Y Fixed


Jumbo 30Y Fixed


Rate averages are calculated from actual locked rates. Learn more.

Additional Resources

ARE Mortgage’s Unique Value Proposition for Referral Partners

Published 5 months ago

Mortgage News This Week with Joe Wiggins – Week ending May 1st, 2022

Published 7 months ago

Rates: Where we’ve been, Where we are now, Where we’re heading, and what you can do to get lower rate – Conventional

Published 8 months ago


Company NMLS# 2061243

13520 Jenny St
Oak Hills, California 92344

ARE Mortgage Group, Inc. is Licensed by CA DRE #2070974, NMLS #02126318. ARE Mortgage Group is an Equal Housing Opportunity Lender.

© 2022 Lender Launchpad. This is not a Government website. Lender Launchpad and its products are not endorsed by the Department of Veterans Affairs or the US Department of Housing and Urban Development. The content on this site is for educational purposes only and is not an advertisement for a product or an offer to lend. If you have questions about the loan officers featured within our lender directory, please visit the Nationwide Mortgage Licensing System & Directory for more information and to check their licensing status at