Harold Ben Drummer II
Experienced guidance, straightforward advice, and a process built around you.
How I work with clients.
I'm Ben Drummer, a licensed Loan Officer with Cohen Mortgage. I've spent years in the mortgage industry and I've seen what works — and what doesn't — when it comes to guiding clients through the home financing process.
My approach is simple: I treat every client's situation like it matters, because it does. That means listening carefully, explaining clearly, and being available when questions come up. No canned answers, no pressure to move faster than makes sense for you.
If you're thinking about buying, refinancing, or just want a second opinion on a quote you've received elsewhere, I'd welcome the conversation. No credit pull, no obligation — just a real read on where you stand.
What I work on most.
Purchase Financing
From the first pre-approval conversation through the closing table, I stay involved. Conventional, FHA, VA, USDA, jumbo — I'll help you compare the options that fit your situation.
Refinancing
Rate-and-term, cash-out, or streamline programs — I'll run the real math and tell you honestly whether it's the right move now, or worth waiting.
Experienced Buyers
Second-home purchases, investment properties, or move-up buyers with a home to sell — these transactions have more moving pieces. I'll help coordinate them cleanly.
Let's talk.
The first conversation is free and never includes a credit pull. Ben will give you a clear picture of your options—no pressure, just an honest read on what's possible.