Questions and Answers

Reiten Mortgages and Real Estate operates in the field of mortgage consulting and addresses a wide range of needs, including new mortgages, mortgages for Reduced-Price Home program buyers, Reverse Mortgages for Seniors, self-build mortgages and non-bank mortgages, along with other areas as needed.

Our expert advisers and authorized representatives perform a comprehensive examination of the relevant data and documents, and assist in adapting an accurate and data-driven mortgage solution even before the case is opened.

Over the years, the company has been working with banks and various credit institutions, an experience that allows us to also assist in the areas of raising credit and financing solutions for the private and business sectors.

Reiten Mortgages and Real Estate operates through the company's internal team of consultants, and where appropriate, it also engages external credit consultants to guide and manage mortgage and credit cases. This combination allows for broader professional coverage and effective use of professional relationships and working channels with the various banks and credit providers, in accordance with the needs of the client.

External consultants are professionals who work in partnership with the company, and are carefully selected by us according to professional requirements and defined parameters. They are not directly employed by the company, but work in full coordination and professional cooperation to advance the handling of the case, while maintaining a high work standard.

It is important to emphasize that every case assigned to an external consultant remains subject to professional supervision by our team of consultants: we monitor the progress of the case, receive regular updates and remain involved along the way.

The duration of handling a mortgage case varies according to the complexity of the case, the requirements of the bank or credit institution, and the availability of the required documents and information. There are relatively simple cases, which do not require lengthy administrative handling, and can progress to underwriting and execution within a short time from the date of opening the case.

On the other hand, there are more complex cases that may extend over several months, among other things due to additional requests from the bank, the need to update documents, changes in interest rates in the economy or changes in the client’s information or circumstances during the process.

Reiten Mortgages and Real Estate works to reduce processing times as much as possible, while making sure to thoroughly check and fully exhaust the financing options and interest-rate terms, with the goal of obtaining the most favorable financing terms for the client.

We are committed to doing everything necessary to bring each case to a close under the best conditions and in the shortest time possible. The client’s cooperation and timely delivery of documents make a significant contribution to streamlining the process and shortening the processing time.

The Client Portal is a dedicated digital area, available to Reiten Mortgages and Real Estate clients, and is designed to make the case handling process clearer, more organized and more accessible. Within the portal, you can view centralized information, receive regular updates on the status of the case, and follow the actions required of you throughout the process directly from your mobile phone.

The portal helps streamline processes through structured documentation and digital signatures on various documents, and receiving an up-to-date view of the case at any given moment. Our goal is to allow you to be involved at every stage, to understand the actual progress, and to gain transparency regarding the actions, processes and proposals being considered as part of the handling of the case.

However, it is important to note that in some cases banking regulations may require in-person contact with the borrowers, depending on the type of case and the procedures of the financing provider.

In cases where an in-person or logistical solution is required, the company operates in a variety of ways to facilitate the process. For example, in certain cases, it is possible to arrange a document courier service to your area and to hold face-to-face meetings as needed, all with the aim of making complex processes as simple, efficient and convenient as possible.

Yes. Reiten Mortgages and Real Estate is committed to providing a comprehensive and personal service, which also includes full handling of the bureaucratic aspects accompanying the process. We manage the process from beginning to end, in a way that reduces the administrative burden involved in communicating with banks and handling requirements and documents along the way.

At the same time, we make sure to keep you updated and involved: we will explain the steps, explain the implications, and make sure you understand the key parameters of each decision.

Adjusting the mortgage mix is a process that is based on numerous data points, starting from the client’s circumstances and the property, through repayment capacity and financial goals, to the market conditions and the mortgage tracks offered by banks. In order to avoid getting lost in the data and to build an organized and clear picture, Reiten Mortgages and Real Estate uses advanced systems that consolidate information on tracks, interest rates and relevant parameters from various financing providers.

Our expert consultants perform a comprehensive and objective examination of all offers and their implications, with the aim of building a personalized mix for you, one that balances savings, stability, flexibility and risk management according to your circumstances and goals.

As part of assessing the available options, we engage several banks concurrently when submitting the application, without commitment to a particular financing provider. This way you can compare alternatives objectively and examine the solution that best suits your needs.

Beyond the adjustment itself, we make sure to explain the logic behind the choice of the various tracks, so that you understand in depth the terms of your mortgage and the meaning of each component in the mix.

Reiten Mortgages and Real Estate operates through expert advisers with many years of experience, with in-depth knowledge of a variety of mortgage types and financing scenarios. The experience and professionalism allow us to examine the case thoroughly, identify points for improvement and build a customized solution for your needs and financial goals.

One of the main benefits we bring to the process is reducing the knowledge gap with the bank. We help you understand the offers, the implications of each track and mix, and the long-term consequences, so that you can make significant financial decisions in an informed and well-founded manner. In many cases, careful planning and effective negotiation translate into real financial savings throughout the life of the loan.

In addition, thanks to ongoing work with banks and familiarity with their manner of conduct, we know how to manage an orderly and controlled process of examining alternatives and improving conditions. Sometimes, even small adjustments in the mix or terms may have a significant impact on the total cost of the mortgage, which is why we make sure to examine every detail and thoroughly review the options.

Reiten Mortgages and Real Estate specializes in securing competitive interest rates through an orderly process of comparison, analysis and negotiation with financing providers. In practice, this is an examination of interest rate alternatives and the pricing of the loan with several credit providers, and presenting the case data in a way that allows for professional negotiation on the cost of money, that is, the interest rate and the related terms.

Our goal as client representatives is to reach the most favorable interest rate and terms available based on your circumstances, because the interest rate has a direct impact on both the monthly repayment and the total cost paid over the life of the loan.

Thanks to an in-depth knowledge of the market and ongoing work with the banks and credit institutions in Israel, we know how to conduct a comprehensive and well-founded negotiation process, and examine offers in a matter-of-fact way until we find the most suitable and favorable offer.

We act with complete objectivity and are not committed to a specific financing provider. Our sole consideration is the client’s best interest, while accurately matching the data, the goals and the repayment capacity.