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Mortgage brokers Get their rates at wholesale levels below what a consumer can get either walking into or calling a bank. The financial expense is important and so is the service. Considering those two especially important factors, it’s important you work with the right broker.
A broker can provide options for better pricing, product, conditions, and service. Money is a service and service is money., if you’re working with an exceptional mortgage broker, and fees you pay will not just provide you special service in terms of process, but given the circumstances, the overall cost of the loan will be less expensive.
We know about many types of home loans that are not known to the public and may not be available from your local bank or credit union. And we know which lenders offer what kinds of loans: fixed-rate, adjustable rate, conforming, jumbo, and balloon, FHA/VA, first time home buyer, and more.
So, you see we are a special addition to your home buying team. You get all the advantages of working with someone who has covered the territory before, and who can show you the smoothest, fastest route to your new home loan.
Day in and day out, we work with lenders to find home loans for people like you. Our network professionals have the expertise to guide you through this complex process and provide you with intelligent advice regarding the kind of loan that best suits your needs and the right lender for you.
We will spend a breakthrough deal of time helping you complete the often lengthy and complicated application required by lenders, as well as gather and organize the appropriate documents you will need to put your loan together to submit to a lender. As professionals , we will make the process quick and painless for you!
Mortgage brokers are companies or individuals that work closely with wholesale mortgage lenders and secondary market investors to provide their customers with a wider selection of mortgages. A mortgage broker originates loans while the mortgage lender funds the loans. Normally offer only a small number of loan options to their customers.
When buying a home, do you try to negotiate and complete all the proper paperwork, contract, and addendums on your own? When do you utilize the services of a real estate agent? When Mr. Tax Collector comes to perform an audit on you, do you deal directly with the IRS yourself? Where do you hire an accountant? Should you consider becoming a Certified Public Accountant? No.
Once legal problems arise, do you try to analyze your legal issues, initiate, and execute the entire process on your own? Or do you use an attorney? In the area of real estate finance, mortgage brokers are the experts. A seasoned mortgage broker should know what loan is going to be best for you and your situation and goals, short and long term. Our network of extraordinary and often innovative mortgage professionals is made up of hundreds of lending resources and the advantage is that we are not bound by the limitations of one single bank. We are not even limited to one broker. Smaller institutions, their staff are typically more responsive to your needs, so those drafted funding dates always take priority. We all know financing is about selection, we make lenders compete for your loan business. This is a natural process.
If you are like most consumers, you probably think you are home is the single largest purchase you will ever make. But it is not, your mortgage is. That as little as half of a percent difference in your loan’s interest rate can cost you 10s of thousands of dollars over the life of the loan? And what you could do with all that money. That is the financial edge a mortgage broker can give you.