My personal goal in every loan transaction that I do is to have complete and full disclosure of all fees and features associated with a particular loan. I ensure my clients fully understand all aspects of their loan and make sure they are completely comfortable with their decision. I want my clients to be able to explain to their friends and family why they chose the loan they did and everything associated with it. In the end, a mortgage is more than a rate and a payment; it is typically the largest piece of a person’s financial picture and should work in conjunction with all of their financial goals.More Less
A few things to keep in mind:
1.) Ratescan and typically do change daily, andoccasionally evenmore than once ina given day! The rate quote I give is good for the day in which it is quoted. However,that is not to say that your rate will not be the same orlower if you are unable to contact me the same day.
2.) Long-term mortgage rates are determined solely by the price of mortgage backed securities. Mortgage backed securities prices (like other securities i.e. stocks) fluctuate throughout the day, which is why rates candiffer from day to day orin some cases even hour to hour.
3.) My quote is only as good as the information I'm given. If your credit score, home value, or debt-to-income ratio differ from what is provided, your rate will most likely differ as well.
4.) Make sure you work with someone that is up-to-date on all of the changes in the industry. The lending environment has evolved dramaticallyin recent months and continues to do so. Working with someone that is wellinformed of these changes is extremely important in getting your loan closed with the rate you are quoted and in a timely manner.
"If you enjoy what you do, you’ll never work another day in your life."