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What can I do to get more (or better) quotes for my loan request ZR-DBGZPGZ?

Why is Citizens bank telling us a mortgage payment will be almost $850.00 per month when most online lenders are telling us something much lower per month? We have very good credit, VA approved w/ 20% down payment. Should we shop elsewhere for a lender? 
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November 09 2013 - Bristol Township
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Answers (3)

Hello,

The best option for you is to shop elsewhere for a lender. Ensure that you are given the best scenario so that you are in the best position. Talk to a mortgage professional and make sure that they themselves are a good match to handle your mortgage purchase as well.
Feel free to contact me. You may find my contact information on my profile. Thanks and may you find your dream home!
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November 11 2013
Many times the payment you may see online do not include monthly taxes and monthly mortgage insurance.  In addition VA has an up-front funding fee that can be financed bank into the loan, which can alter your payment a bit if you are required to pay that as well. 

I would always recommend speaking with a correspondent mortgage banker as well.  You may be able to qualify for lower rates and/or fees than at your current bank.

Feel free to reach out to me with any questions.  Best of luck!
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November 10 2013
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Ask Citizen's Bank for a break down of monthly payment.  It is possible they are including taxes and home owner's insurance in their calculations and the online brokers not.
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November 09 2013
 
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