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January 05, 2009
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Get up to four rate quotes from home lenders in your area!

Get up to four rate quotes from home lenders in your area!

 
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That's where we come in!

Our loan officers will compare loan programs and rates offered by several different lenders before recommending the best loan program.

For instance, if we a lender that offers a 7.25 percent rate when all the others charge one-quarter point more, you'll save $6120 in interest over the life of a 30-year, $100,000 fixed-rate mortgage. Understanding the tradeoffs allows us to select the best loan for you.

How we select the right loan program for you:

  • We will compare at least three to five different lenders.
    One of them is bound to offer the loan that's best for you.
  • We do not focus solely on the interest rate.
    Getting a low rate is important, but you may not benefit from it if you have to pay too many up-front points and other fees.

  • We understand the relationship between points and rates.
    A point is prepaid interest, and each point you pay equals one percent of your loan amount. If you get a $100,000 loan and pay two points, that's $2,000 in points. The more points you pay, the lower the rate you'll get.

  • We will think about how long you'll keep the loan.
    If you're going to move in a few years, we'll consider an adjustable-rate mortgage since you may be able to sell the house before the rate gets too high. If you plan to stay longer, a fixed-rate mortgage may be an attractive option because your rate stays fixed for the term of the loan.

 


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