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Lets see, the caps, margin, rate, lock period, and appraisal cost all match ING Wholesale. The problem is he will have to PAY about $720 to close this loan, or the 7/1 quoted at 4.125%. The rate is PAR and only fee listed is for appraisal, so the lender's fees will be just over $700 and no origination. I believe he made a remark on the Next Step for Zillow thread:
"However, part of me really thinks this will clean up ZMM to provide more bonified, doable, realistic, and accurate quoting. Darwinism at its best."
Maybe he is talking about himself.
Free Loans
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Why is it I think of blazing saddles when I see a CMPS lo respond to a question....
"Gentlemen we need to protect out phony baloney Jobs"
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Featured Rates are based on state rates for 5/1 ARM loans and are valid for the date shown, but they may change without notice. They are for consumers with a credit rating of 720 or higher and a 20% or higher down payment. Rate, terms, pre-paid finance charges, and APR may vary based on factors such as creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount, and geographic location of the property.
If a lender does not offer a national rate, a state rate may be shown next to the lender's name. For example, 'Bank name (CA)'.
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More shady quotes!
Gregorio Denny, "Gregorio Denny"
Mortgage Lender
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Since January 2009
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Not one person doing it
Not 2 people
It is the new trend!
The top 3 people all on the same quote. Now if this is just one quote, how common do you think this is? How does someone that quotes the fees accurately and honestly get their quote viewed by the consumer?
Message to consumers:
If you receive a quote that leaves off the appraisal, that's an obvious message that the person is trying to manipulate you! Please do not fall for it, go back and look at the quotes you received on page 2 from the ethical people that quoted you accurately, then review that person that quoted you appropriately.
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